CathyL@houseloan.com
713-249-6613
Cathy Larsen
Buying a home or exploring a refinance? Connect with Cathy to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Cathy
I want to introduce myself and share a bit about my journey and commitment to helping families achieve their homeownership dreams. As someone who grew up surrounded by the beauty of the Texas Hill Country, I’ve always valued the importance of community and family. After marrying my college sweetheart more than 38 years ago, we raised our four children and are now blessed with two wonderful grandchildren. Our family has treasured our years in the Houston/Cypress area, but I’m thrilled to be settling back into country living in Smithville, where we enjoy relaxing days on the Colorado River with loved ones.
Since 2003, I’ve dedicated my career to the mortgage industry, guiding hundreds of families through one of the most significant financial decisions they’ll ever make. I understand that securing a home loan can feel overwhelming, which is why I make it a priority to be accessible, knowledgeable, and supportive throughout the process. My goal is to deliver the highest level of service, tailored to your individual needs, to ensure you feel confident every step of the way.
At Cornerstone Home Lending, we pair old-fashioned customer service with the convenience of modern technology, creating a seamless and streamlined homebuying experience for you. Whether you have questions about your current mortgage, are curious about prequalification for a new home, or have any other home-financing needs, I’m always here to help. And if you know friends or family who could benefit from my experience and dedication, please don’t hesitate to pass along my name—referrals are truly the highest compliment I can receive.
What clients say about Cathy
Kept me informed all the way though the process ,Great Job.
Great experience
Cathy went above and beyond to make the loan happen.
Cathy was a gem to work with. Her knowledge and professionalism went beyond our expectations. She made the experience a pleasure (not like other lenders we had dealt with). If you are in need of a solid well established lender I would recommend Cathy Larsen wholeheartedly.
Cathy and her team was amazing every step was easy and simple and she had our back the entire team! I highly recommend Cathy and her team!
Awesome experience!!!
Cathy Larsen is the best. We are really lucky for having her as our Loan officer, She guided us through out the process, from Day 1 she is very patient. She’s great in every aspect. Specifically on how she communicates to us, she’s very professional, she’s well mannered. We couldn’t ask for any loan officer. Kudos to Ms. Cathy! Giving her 5 stars! -Helen And Christian
Cathy and her team set a new record for time to approve and close on our new home loan. They never gave up and when we finished at 7PM they were still in good spirits and acted like it was normal office hours. I’ve already referred Cathy a new customer.
The process was seamless and everyone we worked with was knowledgeable. Cathy Larsen helped us a great deal throughout the process! Thank you
Excellent. It was a pleasure working with Cathy and Tracie.
Very satisfied with every step of the mortgage process. Felt like the company is on our side
Fast and efficient.
Let’s connect
Contact Cathy
Share a little about your plans and how to reach you.
Office locations
Bastrop, TX 78602
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Cathy today.
