Talk To Heather - call 407-325-9780 or if you have any questions about the mortgage process - Talk to our NEW Live AI Agent - call 813-649-5325 ✉️[email protected] - 📌 Tampa, Florida

Heather Cortese

-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!

Heather Cortese

Mortgage Expert

Branch Manager

NMLS#2679794

Get a Personalized and Successful Home Loan Approval Experience

See how much you qualify for in 60 seconds or less.

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

Find out how much you may qualify for or discover how much you can save by refinancing.

STEP 2

Review Home Loan Options

Learn exactly how much you qualify for, what your payments will be, and how soon you can get approved.

STEP 3

Get Loan Approval

Get a mortgage loan approval to move forward with your refinance or get started shopping for your new home.

READY TO GIVE US A TRY?

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

Mortgage Calculator

Monthly Payment

Loan Amount

Total Interest Paid

Payment Breakdown

Principal & Interest:
Property Tax:
Home Insurance:
PMI:
Total Monthly Payment:
Get Pre‑Qualified Now

Mortgage Calculator

Monthly Payment

Loan Amount

Total Interest Paid

Payment Breakdown

Principal & Interest:
Property Tax:
Home Insurance:
PMI:
Total Monthly Payment:
Get Pre‑Qualified Now

Our Latest 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.

Copyright ©2025 | Pioneer Mortgage Funding, Inc.

Licensed In: FL | NMLS #2679794