-Branch Manager
-Mortgage Loan Originator
-NMLS# 1908
-Branch NMLS# 2679794
Unlocking Doors to Your Dream Home with Personalized Mortgages At the best rates possible
As a seasoned entrepreneur and mortgage loan originator ranked in the top 1% nationally, I excel in aligning your needs with the perfect mortgage solution tailored to your financial requirements. With over a decade of experience and a background in marketing, I offer a unique perspective to the mortgage industry.
My passion for competition and involvement in the triathlon and cycling community have honed my ability to attentively listen to clients' needs and secure the best loan options tailored to their unique financial requirements. Count on my knowledge and experience to guide you through the loan process, ensuring terms within your budget and a smooth closing process.
Client satisfaction is paramount to me, reflected in my commitment to "white-glove" customer service and nurturing strong referral partnerships within the industry. The biggest compliment I can receive is your trust in referring your friends and family to me. I am gratified by the repeat business and referrals from satisfied clients, a testament to my dedication to providing exceptional service. I'm truly grateful for every opportunity to help everyone achieve their homeownership dreams because I believe it's achievable for all. Let's make it happen together!
Mortgage Expert
Branch Manager
NMLS#2679794
Not a Faceless Mortgage Company
Find out how much you may qualify for or discover how much you can save by refinancing.
Learn exactly how much you qualify for, what your payments will be, and how soon you can get approved.
Get a mortgage loan approval to move forward with your refinance or get started shopping for your new home.
Elevate Your Home Journey with Our Mortgage Experts
Choose 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
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"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
We know getting a mortgage seems intimidating. Check out our frequently asked questions below to better guide you through the loan process.
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.
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.
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.
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Licensed In: FL | NMLS #2679794