The NEW approach to your mortgage.
At NEO Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.
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Lori Heikens
Certified Mortgage Advisor | NMLS# 217186
For over 20 years Lori and The Heikens Team have served countless families in helping achieve their dream of owning a home. Lori works tirelessly for her clients, ensuring they successfully obtain a loan that is affordable and serves as a sustainable asset for their real estate portfolio. Lori is passionate about lending, especially the educational aspect of it, therefore she spends extensive time educating homebuyers throughout the process.
The Heikens Team's key to success is guiding our families through every single step of the process. Whether it be first-time homebuyers, seasoned homebuyers, veteran relocation, and more, Lori and her team work diligently to find the best possible loan program, especially for those seeking downpayment assistance. Even if the road to homeownership takes some time, The Heikens Team will help provide a detailed path to help our clients achieve their goals.
Lori is often found volunteering her time for various community events, and most recently became a certified yoga instructor, earning the namesake, Loan Yogi. She and her husband Dodger, share a wonderful family that they are proud to have raised here in Yuba-Sutter.
She is most proud to work alongside her son Dylan Heikens, who has followed her footsteps into the lending business and together have created a successful and well-respected team, receiving numerous service milestones, accolades, and thousands of happy homeowners.

The NEO Experience
Being a successful homeowner is so much more than just buying a home and making your mortgage payment. The NEO Experience will make sure your home will always be a powerful tool that can help you achieve your financial goals, create generational wealth, and enjoy a secure retirement.
OUR PROCESS
Step 1
Discovery
We need to learn about you so we can understand your financial situation and long-term goals before we prescribe a mortgage strategy.
Step 2
Strategy
We will analyze mortgage options with the lowest cost and greatest prosperity potential for you and your family, then present you with a Total Cost Analysis - a digital and easy-to-read breakdown of your mortgage options.
Step 3
Execution
We create a flawless home loan experience for you. If you are in a highly competitive market, we will position you to close your loan as quickly as possible. If you need more time to prepare, we will continue to advise you on your financial situation until you are ready to buy or refinance your home.
Step 4
Wealth Maximization
Your life and the real estate market where you live can change rapidly. Even after you are in your new home, we will continue to manage your mortgage and help you maximize your wealth.
The closing of your loan is just the start of our relationship.



