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
NMLS# 2679794
Is a Conventional Loan or an FHA Loan right for you?
Take our 1 Minute Suitability Test to find out If One Is Right For You
Work with a Local Mortgage Expert.
What's your timeframe to buy a home?
We can help you get the right home loan to buy your dream home...
Ready to apply now?
I'm ready to apply.
Congratulations on making this decision! Now, let's get you approved for a reverse mortgage that fits you!
Just getting started?
Estimate Conventional Mortgage Amount.
Conventional mortgages can be great for many people but is it right for you?
I need expert advice.
I'd like to talk to an expert.
We can answer any reverse mortgage questions you have. We won't even need to pull your credit to start talking.
READY TO GIVE US A TRY?
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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.
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Licensed In: FL | NMLS #2679794