Sam Hearl
About
As your Loan Originator, I am committed to walking along-side you through every step of the journey to home ownership; from pre-qualification to guiding you to the home loan that’s right for you from our full suite of products. I will also be available to either take your application personally or guide you through our intuitive, easy-to-use online mortgage application. My dedication to you doesn’t stop once your loan closes – you’ll have a local and trustworthy companion to call on for any of your mortgage needs. My promise to my clients is to provide transparency, timely communications, and excellent service. I am devoted to building stronger communities and families one home at a time.
Primary Markets
- Alcoa, TN
- Apison, TN
- Benton, TN
- Chattanooga, TN
- Cisco, GA
- Cleveland, TN
- Coalfield, TN
- Cohutta, GA
- Collegedale, TN
- Conasauga, TN
- Copperhill, TN
- Ducktown, TN
- Farner, TN
- Farragut, TN
- Fort Oglethorpe, GA
Loan Specialties
VA
Jumbo
Renovation Loans
Adjustable-Rate
FHA
Reviews
Jaynie
Nov 25, 2025
Sam and his team are amazing. He made the most stressful part of buying a home super easy. We purchased from across the country but his attentiveness and prompt responses made it feel as if he was right here with us. Sam’s professionalism and knowledge is unmatched. I would recommend him over and over again. Thank you Sam for all your help!
Natejwoodall
Mar 27, 2025
I cannot recommend Sam and his team highly enough. I reached out to him with questions and plans for building a home a few years ago and while that plan didn’t come to fruition, his promptness and expertise led me to remember him and reach back out in recent weeks to help with our purchase of a new home. Sam proved I made the right choice by answering all of my questions promptly and thoroughly, having all documents and paperwork processed quickly and efficiently, and even was able to close our mortgage in aggressively short order. For any lending needs, I encourage anyone to give this team a call!
Maelea
Dec 3, 2024
Sam Hearl and his team did a fabulous job of getting my loan pulled together with ease, expertise, and great service! On top of that, they did it in record time!
Jlgarcia627
Sep 20, 2024
Super quick to respond to everything and friendly to work with. Very helpful when you have questions or need an opinion on something :) Highly recommend!
Cathy
Aug 19, 2024
This was not our first rodeo with Sam and Gateway! Sam has always been friendly, courteous and attentive. He's responsive and patient and very knowledgeable. Our process has always been seamless with him and his team at Gateway. I would highly recommend Sam and Gateway Mortgage.