jcogdill@houseloan.com
713-349-6220
Jeannie Cogdill
Buying a home or exploring a refinance? Connect with Jeannie to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Jeannie
Jeannie Cogdill, Loan Officer at Cornerstone Home Lending, has been in the mortgage industry since she was 14. She began working after school as a post closing clerk and has done everything from processing to closing to branch management. Throughout her lifetime, Jeannie has lived in Antigua, British West Indies, Germany and Mexico. She combines her cultured background and long tenure in the mortgage industry to provide each customer with outstanding service.
For Jeannie, the reward of the job is found in helping people find loan solutions when other Loan Officers may have turned them down. Through her strong work ethic and persistence, Jeannie is able to match clients with the loan program that fits their short-and long-term goals. Most importantly, Jeannie remains ethical to the core and operates under the highest standard of integrity. To meet the needs of all her clients, Jeannie is a certified USDA and Veterans Land Board Lender and works with TSACH and Texas Homes for Heros for down payment assistance programs.
Outside the office, Jeannie spends time with her two kids in College, is active with Crosspoint Church and enjoys gardening, cooking and traveling and volunteering s with the local VFW, Brazoria County Young Life and local animal shelters.
Let’s connect
Contact Jeannie
Share a little about your plans and how to reach you.
Office locations
Suite 112-B
Pearland, TX 77581
Suite 700
Houston, TX 77027
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 Jeannie today.
