What We Do

About Us

What Our Clients Say


“Working with Easton Crafts and the staff at Directions Equity was a great experience. My husband and I were impressed with the efficient service provided. They helped us through the entire process, and we cannot speak highly enough about Easton’s advice and guidance through it all. In addition to keeping us informed of current rates, he was responsive to the plethora of questions we had and provided us with the different financing options available. All-in-all, it was the smoothest transaction we’ve experienced and we will continue our relationship with Easton and the staff at Directions Equity.”

- Michael and Teresa G.

Rich –

“I just wanted to let you all know how thankful I am to you! You played a major role in getting me my new home! It was a long, frustrating road (at least I thought so!) and you all were so helpful, confident and determined every step of the way!”

- Amanda H.

“Annette has been a great asset to work with. Real Estate transactions are often complicated and its always great to work with someone you trust and feel that can get the job done. Annette was so helpful at meeting all my clients needs, often answering late night inquiries from my client and myself. We closed in a timely matter and Annette was able to lock in my client with the best rate possible. I highly recommend using Annette for all of your Mortgage lending needs.”

- Jonathan L., Realtor


“You have always performed for my clients with exceptional and outstanding services. I have never hesitated to refer you to my clients. Thanks you for being you.”

- Marsha

“You have really been one of the smoothest lenders I have ever worked with. It’s been so nice!”

- Donna A

Erica & Annette-

“Just wanted to take a moment to express our sincere appreciation for all the help and guidance you provided us during our home purchase. You all made the process easy and rather stress free and we are enjoying our home much sooner than we anticipated.”

- Adriana and Nathan


“We can’t thank you enough for all that you have done for us. If it weren’t for you we wouldn’t be in our dream home. Thank You so much!!!”

- Larry & Staci

“Thank you for being so patient with us! I am so glad our realtor recommended you to us. Thank you so much for everything!

- Krista & Jason


Team Members


Annette De Los Santos has been in mortgage industry since 1997.  Experienced in FHA, VA, and Conventional Loans as well as HIP down payment assistance programs, helping you feel comfortable begins with sharing her thorough knowledge of the products we have to offer so that you can make informed decisions. “Put my years of experience to work and I promise to deliver exceptional service to you!  Referrals from satisfied customers are a very important part of my business.  My goal is to earn your confidence and become your trusted mortgage consultant for years to come.”


Barbara and Don Coker have over 50 years combined experience as Mortgage Loan Officers in San Antonio.    Ethical and honest service is their promise to buyers and Realtors.  They are always available to help you prequalify for the best mortgage.  Their commitment to the real estate community resulted in the San Antonio Board of Realtors honoring both as Affiliates of the Year.   Contact them directly on their cell phones for immediate and professional service!  210-842-4185 (Barbara) and 210-279-8441 (Don)


Belinda is a graduate of Texas State University where she obtained her Bachelors degree in Communications Studies. Belinda began her career in mortgage as a loan processor. She soon found her passion once she transitioned to a loan originator. Assisting the community with achieving their goals of owning a home is something Belinda takes great pride in. Belinda provides exceptional service to each and every buyer and treats everyone as if they are a part of her family. When not helping her buyers reach their goals, she is spending time with her husband and their two beautiful boys. Belinda can help you make your dreams of being a home owner come true!


Chad began his career as a loan officer after graduating from the University of Wisconsin in 2000. In 2006, he and his family decided to move to San Antonio, Texas and has been lending in San Antonio ever since. With 16 years of originating experience, Chad has a broad knowledge of all loan types, Conventional, FHA, VA, USDA, and some portfolio products as well. Whether it be a new home, or an investment property for income growth, Chad prides himself on customer service and always makes sure that the client’s needs come first. Chad’s knowledge and performance has also gained the attention of new construction builders throughout Texas, appointing him as their preferred lender for prospective buyers. Chad credits his 3 years in the Army as a major contributor to his strong work ethic. You can trust that when your loan is in his hands, it will get done.


Charlie began his career in the mortgage industry in 2005 as a mortgage broker in Las Vegas, NV. He has experience working for large banks as both an Account Executive and a Loan Officer. The diverse experience means he not only knows what it takes to originate a loan but also what it takes to fund the loan. Charlie has continued his mortgage education having recently been designated as a Certified Mortgage Planning Specialist, one of only 3 in San Antonio. As a CMPS, he is uniquely qualified to guide his borrowers and present them with investment strategies as well as educate them on tax implications associated with residential real estate. He knows that buying or refinancing a home is the biggest financial decision of his clients’ lives. That’s why he makes a point of consulting with his clients throughout the entire loan process, so they are well informed and active participants in the transaction.
Charlie grew up in Houston but has called San Antonio home since 2007. His wife, Erica, is a San Antonio native and they have two daughters, Addison and Tess.

CEO / senior loan officer

Easton Crafts has been in the mortgage industry since 1995 and in that time has closed thousands of loan transactions of all types including Conventional, FHA, VA, USDA, Texas Vet, Jumbo and Construction Loans.  He has a Bachelor of Business Administration in Finance from The University of Texas at San Antonio with a concentration in Real Estate Finance, Commercial Real Estate and Mortgage lending.  He has concentrated his efforts into building the Directions Equity name with a reverence among its peers and a positive acknowledgment by fellow Texans.


A native of San Antonio, John attended Alamo Heights High School and Trinity University. He is also an eight year infantry veteran of the United States Marine Corps. John believes that establishing clients’ trust is paramount to successful business relationships.  As your trusted mortgage advisor since 2005, he understands that obtaining a mortgage is one ofthe largest and most important decisions in most people’s lifetime. With a wide array of mortgage products available today, John feels that it is crucial that his clients have a firm understanding of their options so they can make an educated and informed decision. John’s core principle of exemplary customer service has propelled him to his status as one of the top ranking loan officers in San Antonio.

PRESIDENT / senior loan officer

Marc began his career in the mortgage industry in 1998 after graduating from Southwest Texas State University. His knowledge and expertise will guide you through your mortgage experience and prepare you for one of the largest transactions most of us will ever experience in our lifetime. While One-Time closes on new construction have become his specialty, he is well versed in VA, FHA, and Conventional as well.


Bio Coming Soon!


Bio Coming Soon!


With nearly 10 years of experience, Senior Loan Officer Norma Heard, takes pride in assisting her clients achieve the dream of home ownership. As a native of Puebla, Mexico, Norma has called Texas home for the last 20 years and earned her BBA from Incarnate Word University in 2001. Norma’s years of experience has helped her obtain an expansive knowledge of all mortgage products available today. Her attention to detail is impeccable and exceeding client expectations is the foundation of her business. Contact Norma today and see why she is recognized by her peers as a top loan officer. Her goal is to be your loan officer for life.


As a recent addition to Team Heard, Rick Hoenninger brings with him over 15 years of exceptional sales experience and customer first mentality. A three time President’s Club Winner for sales expertise at his previous employment, Rick’s dedication to customer service is unparalleled. Because of his father’s military service, Rick is not originally from Texas but has called San Antonio home for the last 14 years and earned a degree in economics from Texas State. Rick keeps up to date on current real estate trends and industry news as an active member of Women’s Council of Realtors. Call Rick today and you’ll soon realize why client satisfaction is his number one priority.


Rich is a retired Air Force officer and tactical aviator who’s built his 14 year career in the financial industry on exceptional service, competitive pricing and unparalleled dedication to his clients.  Whether VA, TexVet, FHA, Conventional, refinance, lot or construction loans, in or out of Texas, he makes the home buying experience as smooth as possible.  Rich treats every client with the utmost respect;  whether ready to buy today with impeccable credit and abundant assets or in need of credit help and financial planning to make a purchase in the future, he works diligently to make his client’s transition to home ownership a reality.  Any loan, anytime, anywhere…


Bio Coming Soon!


Susan began her career in the mortgage industry as a loan processor in 1990 and became a closing
coordinator for a national homebuilder in 1992. Then, in 1996, she began originating mortgage loans
With so many years of experience there is not much she has not seen and she definitely knows how to
get a loan approved. Susan’s mortgage clients and realtor clients give her excellent ratings in
post-closing surveys and invariably mention how accessible she was and how they appreciated her
frequent updates and other communications.

This is what Susan says about herself: I am from a military family so I moved around a lot as a
child. It was wonderful to see so much of our country and the world but when we finally landed in
South Texas, I knew I was home! I love San Antonio because the people are warm and the weather is
even warmer. I enjoy the live music venues and the beaches being just a few hours away is icing on
the cake. I have been married to my husband, Tim, for 25 years and we share our home with my
mother, June, and our 3 dogs, Gigi, Lucy and Birdie.

Being a mortgage loan originator has been a great work life for me. I like knowing that with each
closed loan someone’s life has changed for the better. Since research shows that home ownership is
the cornerstone for building wealth it is my privilege to help folks take a giant step towards a
strong financial future.