Florida Mortgages Made Easy
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SIMPLE. EFFECTIVE. LOGICAL. LENDING.
Google ReviewsAre you are a first-time homebuyer feeling perplexed by the bombastic and contradictory news surrounding the real esate 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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See What My Customers Are Saying
A. Froes
"Lourdes did an excellent work while advising me on my mortgage refinance, and I am very happy with the outcome. She is precise and very supportive in all stages of the process, helping me evaluate all the possible scenarios w/ different finance options, then helping me organize all the paper work for the application until the onboarding process with the new loaner. She is always available to help with any detail or information along the way. I definitely recommend her as the best mortgage advisor in FL."
A. Manning
Miami, Florida
"Lourdes is, in my experience, the best in the business!!! Although a busy professional, she made me feel that she had all the time in the world for me . She always answered my calls, returned emails, and was on top of achieving the utmost best results! Her follow up to detail and her proactivity made this a quick and pleasant experience! I recommend Lourdes as an exceptional, thorough, pleasant and effective professional.... oh and a positive and fun person who made work seem easy. Gracias, y que sigan los exitos !!"
J. Guerra
Miami, FL
"Lourdes on behalf of Cornerstone First Mortgage was outstanding. As a first time home buyer she walked me through all the ins and outs of everything related to qualify & being granted a mortgage. I had confidence in purchasing with her by my side as she was proactive and organized. I learned so much from her as she demonstrated years of experience and continuous research. I am very satisfied with my transaction that was assisted by Lourdes and Cornerstone. I highly recommed"
R. Peraza
Miami, FL
"Lourdes Cuervo was the complete guide of my mortgage journey, fast and proactive in every step of the road to our new home. I highly recommed Lourdes for her professional and commitment to the best work delivery"
P. Porto
"Lourdes wonderfully managed the (not so easy) process to find a new home with a lot of kindness and wisdom with her great tips. The process was smoother than expected and having her support along the way was fundamental to our family to feel confident with the decision and that we were doing a great deal."
Taylor M
Miami, FK
"Lourdes was absolutely wonderful to work with. She was patient, responsive and so helpful throughout the entire process. She made sure we were able to secure a good loan despite some hitches along the way. I can’t imagine having worked with anyone else. If you want someone who always goes the extra mile then Lourdes is the one. Thank you so much!"
Craig Wolsk
"Lourdes was the BEST thing that could have happened to us during our mortgage hunting experience. She is diligent, knowledgeable, persistent, patient, reliable and an absolute pleasure to work with. Any bump that we crossed on our path to owning our first home, Lourdes was there to guide and help. From the first moment to the last we knew we were in great hands"
Leonel Baca
Miami
"Lourdes is very reliable and knows what she doing while doing her job always going the extra mile to do thing the right away and making sure is correct so you won’t have no problems highly recommended her for any one looking for to buy a house thanks again Lourdes"
Angela Centeno
"We had a complicated transaction, we were glad we had Lourdes who is very professional and knowledgeable."
Carla Lopez
"Lourdes managed our case from beginning to end. She kept us informed and aware of next steps and expectations through the process. Even when we are located outside of USA she made the process simple and flawless. She is a great professional. Thank you for helping us close our mortgage! "
Melissa Martinez
Miami
"Working with Lourdes was a breeze! She made the process of applying for a loan and closing on my property simple and stress free. She was super responsive, informative, and helpful to me as a first time home buyer. The whole process was easier and more pleasant than I could have imagined! "
Narvis Torres
"Me gustaria dar mis mas sincero agradecimiento a Lourdes Cuervo por habernos apoyado en un sueno echo realidad nuestra propia vivienda, excelente atencion, gracias por su asesoramiento. (Translated by Google) I would like to give my most sincere thanks to Lourdes Cuervo for having supported us in a dream made our own home come true, excellent attention, thank you for your advice."
Lori Haynes
"Lourdes Cuervo is an exceptional mortgage broker. My real estate agent recommended that I call her and I am so happy that I did. She was responsive, professional, knowledgeable and patient. Since closing on my house, I have been recommending Lourdes to everyone. I had an outstanding experience working with her and will again. Brava!!! "
Bertha Castellanos
"I can't begin to express how thankful I am to have met Lourdes! She is professional, extremely responsive and most importantly trustworthy. Buying a property is not an easy process, but she makes it ten times easier. She directs you to what works best for you and always puts your interests first. She answers questions thoroughly and helps you every step of the way. I would recommend her to anybody that wants to embark the journey of buying a home. I will definitely work with her when I am ready to buy my second home."
Jose Barrantes
"I can’t thank her enough for all the extremely hard work and dedication she has assisted my wife and I with. Our home, our first home, is all thanks to her. All the calls and emails and haeadaches are so worth the wait for this beautiful home we now own thanks to her. Super professional and at the same time caring. "
Paul Vieira
"This is my second time using the services of Lourdes Cuervo. Again, the experience has left me confident and completely satisfied with the value and quality her services. Lourdes’ professional experience really shines with her attentive and knowledgeable guidance. I look forward to continuing more business with her in the future."
Stephanie Blum
"Loudes is very knowledgeable and helpful. She assisted us from the start to the day of closing. Doing business with Lourdes Cuervo made home buying and selling a pleasurable and less stressful experience. "
Javier Andalia
"After two opportunities, and counting, of working together, I could't be more certain of the high quality of service that Lourdes provides. She's *the* advisor. She thorougly explains every option and gives you all the information necessary to make a smart decision, even when taking it slow is the best action. Her dutifulness does not end at closing. She follows up – and actually helps – with any remaining steps until they're completed. Lourdes has always surpassed my expectations."
Ali Garcia
"Lourdes was an excellent advisor. She guided me through the entire process to buy my property in the USA. She was very professional and human. I definitely recommend her as the best in her field and will come back to her for future opportunities. If you are planning to get a mortgage, do not hesitate to contact her. She will find the best solution that fits your requirements. I was very nervous about buying my fist property in the USA and she advised me very objectively responding all my questions. "
Miguel Reyes
"She is absolutely the best! Very easy to get in touch with at any time of the day. Helpful and very honest. This is my 3 closing with Lourdes and no regrets. "
A. Chujfi
"Lourdes, tuvo el tiempo y la dedicación durante el proceso de compra, me acompaño en cada instante que lo requería. Una excelente profesional y persona. (Translated by Google) Lourdes, had the time and dedication during the purchase process, accompanied me at every moment that required it. An excellent professional and person."
T. Avila
Miami
"Lourdes was very attentive. She was always on top of all the paperwork and helped us become homeowners. Because of her we were able to move into our new home. "
H. Anthony
"I was overwhelmed thinking about the process. But when it was done I realized how easy it was. Could do it with my eyes close again if I needed to. Thank you Lourdes"
Jose Padilla
Miami
"In December of 2019 I had the privilege to work as a customer with Lourdes Cuervo my loan officer at Pioneer Mortgage. My experience with her was absolutely Epic. Lourdes was very professional and I saw how she was able to look out for her customers best interest. She was able to lock me into a very low rate while the market was a bit unstable. She was available 24 hrs a day and a phone call away to answer any questions or concerns I had. Her professionalism and dedication to making sure that all her customer needs were met was absolutely wonderful. Thanks Lourdes for your help!"
B. McDonnell
Miami
"5 Stars"
A. de la Cruz
"Miss Lourdes Cuervo is a super professional Loan Advisor. Explains all options so you can make your smarties decision. You wont go to closing not knowing your figures. I will all ways recommend Lourdes Cuervo to anyone looking for any type of Loan. Miss Lourdes C. is trustworthy. Trust Worthy People are Priceless! "
T. Piovet
Cutler Bay
"To all who are looking for any type of Loan this is the right place! I almost got scammed! Over priced and so on, until I was very fortunate to find Miss Lourdes Cuervo online. I was very skeptical until our first phone conversation. Met her in person. The rest is history. She will guide you every step of the way filling you in with knowledge. Explains thoroughly all your options so you can make smart decisions. Never made me feel I was asking her too many questions. I would need a book to write about Miss L. Cuervo. With Miss Lourdes Cuervo by your side you won't feel blind sided during the process leading you to a closing with full knowledge of what matter to you, {Understanding All The Figures}. After the closing you will come to realize you now have a new friend you can trust in Miss Lourdes Cuervo who you will want to recommend to all your friends who needs a trust worthy Loan Advisor!"
M. Petersen
"Lourdes was amazing to work with! Everything was done in a very professional, prompt matter. First time home owner and couldn't be happier with the process thanks to Lourdes!! "
Kevin Connell
"My wife and I purchased a short term rental condo in Orlando as an additional asset to our small business rental llc. Lourdes and Pioneer Mortgage were our loan officer/ mortgage advisors. We had a large down payment for this purchase but still needed a small mortgage loan to cover the remaining investment amount. We had a long hard search in Florida with many very difficult conversations with prospective lendors that were not able to meet our needs of a loan for a short term rental condotel. Finally through a contact of a contact from my realtor, I was finally able to to find Lourdes. She was able to give me a fixed rate loan at the interest rate that I was hoping for. She did everything perfectly throughout the process through the closing. She made zero mistakes. If you need a mortgage for a short term rental condotel unit, Lourdes is the person you need! "
Roberto Alvarez
Miami
"Family members and friends -to whom I recommended Lourdes Cuervo- were very satisfied her competence and performance!!!"
Z. Sadeghi
Miami
"Lourdes Cuervo is a true professional! The most thorough, clear, caring and attentive Loan officers I have ever encountered! She is knowledgeable and always available to address any questions or concerns. I highly recommend "
Ryan Dooley
Miami
"She’s the best! Would recommend her in a heartbeat! Thank you Lourdes!"
Dee Robertson
Miami
"She's the BEST!! You won't be sorry if you work with Lourdes she's gotten several mortgages for me over the years and I wouldn't go anywhere else!"
Olga Ibarra
Coral Gables
"I have used these services a number of times for different properties, as well as for family members and friends. Highly recommended, no one better!"