SIMPLE. EFFECTIVE. LOGICAL. LENDING.

Are you are a first-time homebuyer feeling perplexed by the bombastic and contradictory news surrounding the real estate market and mortgage interest rates?   Is this keeping you on the fence? 

Perhaps you are a homeowner who purchased a home which no longer meets your family's needs but because you were able to lock a 2-3% interest rate you feel "trapped" in the home given today's rates and prices...

Hope is not a strategy.  

Most people who do what I do for a living define themselves as being in the home lending business.  I don't really look at it that way.  As a Certified Mortgage Planning Specialist and mortgage strategist I know full well that financing a home is very likely the largest debt you will incur in your life.

Unlike most loan officers and lenders, I feel I have a responsibility to help you proactively manage that debt.  Beyond rate, we need to look at what YOU are trying to achieve so that I can help you integrate the mortgage with your short and long term financial plan, investment plan, your tax payment and cash flow objectives. 

I see my job as helping families make informed choices about their finance options.  Real estate transactions involve complex emotional and financial decisions. 

The current real esate and homebuying loan landscape is flooded with conflicting headlines accross various news platforms - be it social media, television or print.   It is overwhelming.  The sheer volume of disparate information does more to terrify than clarify.


THE AMERICAN DREAM IS NOT JUST ABOUT OWNING A HOME.

People don't seek home loans for the sake of having mortgage loans; they pursue mortgage loans because they aspire to have homes! But it doesnt stop there, the real goal is to have that home paid off as soon as possible so you can achieve financial freedom.

Financial Freedom.

Allow me to introduce myself, my name is Lourdes Cuervo and I have been in the mortgage industry for over 25 years.  I have dedicated my career to empowering real estate dreams and assisting clients build wealth through strategic mortgage planning. 

Whether you're a first-time homebuyer, a move-up buyer, or an investor, I'm here to to guide you through the financial aspect of the journey.   Over these many years I have seen many economic cycles and one thing is certain.  The market does not determine your success.  The market determines what strategies you need to implement to be successful.

As they say, you can't change the wind but you can certainly adjust the sails and get to your destination.


DISCOVER TAILORED MORTGAGE SOLUTIONS TO ACHIEVE FINANCIAL FREEDOM FASTER

A prescription without a diganosis is malpractice.  There is no "one size fits all" in mortgage planning and mortgage management. 

Mortgage expertise goes beyond knowledge about the subject; it encompases understanding a person or family's  specific circumstandes, fears, reservations, challenges and financial situation.   All mortgage options and home financing strategies made available to you should revolve around this understanding.

The mortgage interest rate, though important, is but a part of a more extensive strategic mosaic in long term mortgage planning.  Think of interest rates as the engine, but your mortgage strategy is the flight plan to financial success.  Mortgage decisions should not be made impulsively.  A "missile mortgage" approach - simply pushing a button and applying  for a mortgage based on rate alone - can be the surest way   of making a bad wealth planning decision.


        

I AM LOURDES CUERVO. CERTIFIED MORTGAGE PLANSPECIALIST & STRATEGIST.

My mortgage planning approach has always been unwavering and consultative whether you seek a renovation mortgage in Coral Gables, a reverse mortgage in Key Biscayne, down payment assistance mortgage in North Miami or an investor seeking to leverage equity.

With a wealth of experience and industry knowledge spanning more than two  decades in the mortgage planning and mortgage consulting space, I am well-suited to be ideal partner on your homeownership and real estate investment journey.  I was in the industry when interest rates were over 17%!  Families still purchased and sold real estate and built wealth by doing so.  I was in the industry when the dot.com bubble burst.  I was here too when the housing finance crisis hit.  I've been in the industry through recessionary and inflationary cycles.  Amidst the chaos of the market's storms, the sun will always rise in the east in the morning.

Choose experience. Choose expertise, but most importantly, choose someone who puts you your financial needs first. 

Curious to know what others have said?  Here some testimonials and firsthand accounts from some of my past clients. 

ABOUT CORNERSTONE FIRST MORTGAGE

Local Expertise, National Coverage

While Lourdes Cuervo calls Florida home providing Conventional Mortgages, Jumbo Mortgages, Renovation Lending Mortgages, FHA and VA Mortages Jumbo Mortgages to Coral Gables, Pinecrest, Key Biscayne, Coconut Grove, Miami, Miami Beach and Palmetto Bay; Cornerstone First Mortgage is licensed in 48 other states giving you nationwide reach. 

Cornerstone First Mortgage is a full-service mortgage bank headquartered in San Diego.  Mortgages is all we do.  Simple. Effective.  Logical Lending. 

 Wherever your real estate goals take you, and whatever your mortgage needs, we’re here to help you secure the funding you need, bringing renowned expertise and dedication across the nation.  We have an extensive range of home loan programs with competitive rates to deliver a solution that best fits the need of each client.

Choose experience. Choose expertise, but most importantly, choose someone who puts you your financial needs first. 

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