Meet Our Mortgage Lenders - Detail

Matthew Heard
Mortgage Loan Officer
Phone: 469-389-3677 or 214-909-8958 

[email protected]
NMLS# 2769829

Introducing Matthew Heard, a dedicated mortgage lender at our Frisco, Texas, branch, where his passion for service takes center stage. With more than 20 years of experience in the hospitality industry, Matt has cultivated a reputation for delivering exceptional service, meticulous attention to detail, and a genuine care for individuals—qualities that make him an ideal guide for families navigating the homebuying journey.

Originally from Louisiana, Matt moved to the Dallas–Fort Worth area a decade ago, fully embracing the community's welcoming spirit and abundant opportunities. His education at Louisiana Tech University laid the groundwork for his strong communication skills and customer-centric approach, which remain pivotal to his success today.

Matt firmly believes trust is established through consistency, transparency, and compassion. He takes pride in being part of a bank that prioritizes people and is committed to making financial decisions that are both approachable and empowering for his clients.

When he’s not helping clients achieve their homeownership dreams, Matt enjoys spending quality time with his family, discovering new local eateries, and adventuring with his dog—his loyal sidekick and favorite walking companion.

Whether you're buying your first home or considering your next move, Matt is here to support you with a steady hand and a trusted partner. Contact him at [email protected] or call 214-909-8958 to start your journey today!

Choosing the right home loan is a major financial milestone, and clear information is the first step toward a confident decision. Whether you are exploring flexible rate options, government-backed programs, or ways to unlock your equity, our experienced mortgage lenders ensure you have the necessary details to choose the best fit for your goals.

Please review the relevant disclosures and consumer handbooks below to fully understand your borrowing options before clicking the "Apply Now" button below.

Important Loan Disclosures & Consumer Guides

In accordance with federal regulations, please do not provide your demographic information (ethnicity, race, and sex) for the following types of credit applications:

  • Construction Loan
  • Debt Consolidation Loan, unless also paying off the existing mortgage on the property
  • Home Equity Line of Credit (HELOC), unless also paying off the existing HELOC on the property
  • Land Only Loan

APPLY FOR A MORTGAGE NOW

Don't wait to make your homeownership dreams a reality. Click below to start your application today with FLB Mortgage

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Official Bank Information

  • First Liberty Bank Headquarters: 9601 N. May Ave, Oklahoma City, OK 73120
  • NMLS ID: #1215182

Regulatory Disclosures

  • The SAFE Act: In accordance with the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), all First Liberty Bank Mortgage Loan Officers are federally registered. You may verify registration at the NMLS Consumer Access Website.
  • Not a Commitment to Lend: All loan programs, rates, and terms are subject to change without notice. Submission of an inquiry does not constitute a commitment to lend or a guarantee of a specific rate. All loans are subject to credit, property, and underwriting approval.

State-Specific Notices

  • Texas Mortgage Banker Disclosure: Pursuant to section 157.007 of the Texas Mortgage Grooming Act, consumers wishing to file a complaint should contact the Texas Department of Savings and Mortgage Lending.
  • Oklahoma Residents: First Liberty Bank is an Oklahoma state-chartered bank regulated by the Federal Deposit Insurance Corporation and the Oklahoma State Banking Department.

Social Media Interaction Policy

  • Privacy Warning: Please do not post sensitive personal information (Social Security numbers, account numbers, or financial statements) in public comments or Direct Messages (DMs) on social media platforms.
  • Official Communications: While our Loan Officers are active on social media, all official loan processing, document collection, and formal disclosures will occur through our secure, bank-approved portals.

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending is available for review. The data show the geographic distribution of loans and applications, race, gender, the income of applicants and borrowers, and information on loan approvals and denials. Inquire at your local branch regarding the locations where HMDA data may be inspected.

FLB Mortgage makes loans without regard to race, color, religion, national origin, sex, handicap, or familial status.

To help prevent identity theft and fraud, FLB Mortgage will never request that you provide personal or financial information via unsecured email. Individual lender email addresses are unsecured. Please do not send non-public personal information via an unsecured email. Including any hyperlink to email does not imply any endorsement of sending non-public personal information via unsecured email by FLB Mortgage. In no event shall FLB Mortgage be responsible for your use of unsecured email related to links from this site.

APPLY FOR A MORTGAGE NOW

Don't wait to make your homeownership dreams a reality. Click below to start your application today with FLB Mortgage

APPLY NOW

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