Heather Hakes
GEM Mortgage
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Home Loans. Simplified. Since 1987. We close loans…it’s what we do!
Learn More
About me
Heather Hakes is a highly respected mortgage professional with over 30 years of experience helping clients throughout Temecula, Murrieta, Newport Beach, Escondido, and across Southern California achieve their homeownership and financial goals. As the leader of The Hakes Team at GEM Mortgage, Heather is known for guiding buyers and homeowners through smart, personalized loan solutions with clarity, confidence, and integrity.
Heather has successfully funded thousands of loans across a wide range of programs, including Conventional, FHA, VA, Jumbo, first-time homebuyer, refinance, and investment property loans. Clients and real estate partners alike value her deep industry knowledge, honest consultative approach, and ability to simplify even the most complex mortgage scenarios.
With a passion for helping people make informed financial decisions, Heather believes the mortgage process should feel supportive, transparent, and stress-free. She offers every client a no-obligation mortgage consultation focused on education, real options, and long-term success — not pressure.
%2010.14.03%E2%80%AFa.m.%201.avif)
4 Easy Steps.
HOMEConnect is for homebuyers
Introducing HOMEConnect…Fast Secure Home Loan. HOMEConnect is for homebuyers and homeowners. It is a simple process and easy to get started today. Simply click on the link below to begin your application a breeze by digitally connecting your income, employment and assets completing the verification process quickly using industry leading security to protect your data.
That information is matched with the right loan for you… helping you and your loan expert at GEM, take you from application to approval and funding in record time. All with no obligation…only at GEM!
Application
Verification
Approval
Closing
awards /
accolades
.svg)
why our clients
love us
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
AMBER CAMPBELL
Highlight Park, Il
“Working with A and N Mortgage was a seamless experience. Their team was professional, efficient, and helped us secure our dream home with ease. Highly recommend!”
HOW TO
GET APPROVED
01 pre-approval
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
02 FIND your home
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
03 Submit your loan application
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
04 underwriting
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
mortgage calculator
Loan programs to fit your dreams.
Home Equity Line of Credit (HELOC)
Access equity. Revolving credit.
Investment Property Loan
Rental purchase. Refinance options.
Second Home Loan
Vacation home. Flexible options.
Construction Loans
Build new. Full funding.
Renovation Loan
Finance upgrades. Simple process.
USDA Loan
Zero down. Rural homes.
Reverse Mortgage
Convert equity. No payments.
VA Loan
Veteran benefit. No down payment.
FHA Loan
Low down payment. Easier approval.
Jumbo Loans
Large loans. Higher limits.
Conventional Loans
Popular option. Flexible terms.
Adjustable Rate Mortgage
Flexible rates. Potential savings.
Fixed Rate Mortgage
Consistent rate. Predictable payments.