Talk To Heather - call (407) 325-9780
Heather Cortese
Mortgage Expert
Branch Manager
NMLS#2679794
The Right Mortgage Could Save you Thousands!
See how much you qualify for by scheduling a call with us or taking a quick pre-approval survey.
Work with a Local Mortgage Expert
Not a Faceless Mortgage Company
Here's how we can work together to get you a home loan or refinance your existing mortgage
STEP 1
Apply Online or Call Directly
Whether we're working directly with you or your agent, we tailor creative loan solutions to make your offer stand out in this competitive market.
STEP 2
Review Home Loan Options
Whether you're ready to buy your first home or navigating the decision to grow your investment portfolio. Our white glove service ensures you get what you need.
STEP 3
Get Loan Approval
There are so many variables to consider when buying a home, especially when every buyer needs a different strategy. Let's start with a basic pre-approval call.
READY TO GIVE US A TRY?
Elevate Your Home Journey with Our Mortgage Experts
Choose your Pioneer Home Girls as Your Trusted Mortgage Partner
Conventional Mortgage
FHA Mortgage
VA Mortgage
Reverse Mortgages
No Income Mortgage
Investor Loans
HELOC/HELOAN
Construction Loans
Commercial Loans
Refinances
Our Blogs
Home Loan Strategies You Should Know
9 Mistakes That can Affect Your Mortgage Process
5 Simple Steps To Get Your Finances In Order
14 Advantages of a VA Home Loan
TESTIMONIALS
What others are saying
"Talented and Caring"
"As a first-time homebuyer, buying can be stressful!! Heather and her team make the process a breeze to say the very least. The team is filled with talented and caring people who truly care about your wants and needs in the home buying process. Whether it’s your first or fifth home, Heather is one to have on your team!"
- Mackenzie
"The Best Mortgage"
"Heather was so amazing to work with and definitely did everything she could to keep my best interest at heart. She will work hard for you to make sure that you get the best mortgage! Highly recommend!"
- Andi
"Highly recommend this"
"Heather Cortese and her team were absolutely wonderful in our first time home buying process! We had an extremely fast mortgage approval.. best mortgage lender in Tampa for sure!! Heather answered all of our questions, very responsive and communicative. We would recommend her to everyone!"
- Lauren
Mortgage questions?
Frequently Asked Questions
We know getting a mortgage seems intimidating. check out our frequently asked questions below to better guide you through the loan process.
What types of home loans do you offer?
We offer a wide range of loan options including conventional loans, FHA, VA, USDA, and jumbo loans. We’ll help you find the best option based on your goals and financial situation.
How much do I need for a down payment?
Down payment requirements vary depending on the loan type. Some loans, like FHA, require as little as 3.5%, and VA or USDA loans may require no down payment at all.
What documents do I need to get pre-approved?
Typically, you'll need your ID, recent pay stubs, W-2s or tax returns, bank statements, and details about your debts and assets. We’ll provide a full checklist when you apply.
How long does the mortgage process take?
From application to closing, it usually takes 30 days but we have closed in 14. Getting pre-approved ahead of time can help speed things up.
Can I still qualify for a mortgage with less-than-perfect credit?
Yes—there are loan programs available for buyers with lower credit scores. We work with many lenders to help match you with the right solution.
COMPANY
Corporate NMLS#1908
Pioneer Home Girls NMLS#2679794
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