hesmith@houseloan.com
512-354-4524
Heather A. Smith
Buying a home or exploring a refinance? Connect with Heather A. to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Heather A.
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Heather A.
PERFECT‼️ OUTSTANDING ‼️ EXCELLENT ‼️
If Charlie’s Angels handled mortgages, they’d be Heather and her colleagues, Kimberly, and Sheila. Every time closing threw us another plot twist, one of them appeared with an answer, a revised document, or the patience to explain the numbers to me one more time. The roof had a subplot. The inspection had a sequel. My cash-to-close questions became a limited series. Through it all, these three kept things moving and somehow got us across the finish line with the house keys and most of my sanity. Five stars for Heather, Kimberly, and Sheila. Charlie, give them a raise!
Heather was a pleasure to work with. I will 100% recommend Cornerstone to friends and family.
Heather is easy to work with. She is very professional and also has a great support staff.
Heather made what could have been a stressful home-buying experience feel smooth, supportive, and personal. From our very first conversation through credit re-scores and closing, they were knowledgeable, responsive, patient, and genuinely invested in our success. We are incredibly grateful for everything they did and would recommend them without hesitation.
We had a very pleasant experience! Thanks for all the help!
Everything was smooth! Thank you ♥️🔑
It was a great experience to work with you. Every thing was quick and smart.
Heather Smith and her team were very helpful and attentive during our home buying process. I highly recommend them and Cornerstone Home Lending.
Super quick turnaround and responsiveness. they walked us through everything we needed to know and answered all questions we had.
Let’s connect
Contact Heather A.
Share a little about your plans and how to reach you.
Office locations
Suite 300
San Antonio, TX 78257
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 Heather A. today.
