kellyzitlowgroup@houseloan.com
480-725-0150
Kelly Zitlow
Buying a home or exploring a refinance? Connect with Kelly to talk through your goals, ask questions, and explore your next steps.
Suites 201 & 202
Scottsdale, AZ 85260
Meet your loan officer
About Kelly
Kelly Zitlow is a transformational leader and mortgage industry veteran with more than 30 years of experience spanning sales, operations, marketing, technology, and executive leadership. As Chief Operating Officer of Cornerstone Home Lending, she helps shape the strategic direction of the company's mortgage division, leading initiatives that drive growth, improve operational performance, and enhance the customer experience through innovation and technology.
As an integral member of Cornerstone’s executive leadership team, Kelly is vital in implementing the organization’s vision and steering its growth trajectory. Her ability to identify opportunities, implement forward-thinking initiatives, and inspire collaboration has solidified her reputation as a trusted leader. She is committed to Cornerstone’s mission of making a positive difference in the lives of others.
Kelly has been at the forefront of integrating advanced tech tools within the organization to create efficiencies and position Cornerstone as a leader in a competitive marketplace. Additionally, her mentorship and coaching efforts have fostered a culture of continuous improvement and professional development within the company’s sales and marketing teams.
Kelly’s expertise in digital marketing has set her apart in the financial technology sector. She is widely recognized as a pioneer in digital marketing, having adopted video marketing as a primary communication tool long before it became industry standard. Today, she continues to champion forward-thinking initiatives, including the integration of AI to increase efficiency in the real estate and mortgage sectors, one of the topics she enjoys speaking about at industry events.
Recognized for her ability to drive results and lead with purpose, Kelly embodies the qualities of a forward-thinking executive leader who thrives on innovation, collaboration, and a deep commitment to empowering others.
Beyond her professional achievements, Kelly was raised in Arizona and graduated Cum Laude from Arizona State University. She treasures time with her husband, their two sons, and their beloved Labradoodles, Champ and Buddy.
What clients say about Kelly
Karen and Tara were great throughout the entire process. They made it seamless by guiding me along the way and answering any questions I had. This might have been the fastest and easiest mortgage process I’ve completed. I plan on continuing to work with them in the future and would highly recommend them!
I’d prefer to give Kelly and her incredible team 6 stars, but am limited to 5… this has been, hands down, the best customer experience of my life. The Kelly Zitlow group is the best and to be honest I felt initially the scenario was too good to be true - I’d heard about the exceptional level of service but when I was presented as well with great rate and terms, I figured both couldn’t coexist and something would change… not the case. Kelly and team communicated regularly and transparently, we’re patient, kind, and extremely professional. Their attention to detail was unparalleled. They ensured critical pieces of the equation such as aligning all key dates, due diligence and communication with all parties involved and this was integral to us not only hitting our close dates on time (bought and sold same day), but they provided consistent peace of mind that all would go perfectly…. And it did. Thank you. Thank you. Thank you!!!! Adam
The experience we had with Cornerstone Lending was outstanding. From start to finish I have absolutely no complaints about any of it and honestly can only rave about them because I really can't believe I had zero complaints about the whole process, zero. They are exactly what every lender should strive to be. They worked really hard to secure the best rate for us and I truly believe no other lender would have gone through as much as they did to do so. The lending process requires a lot of legal documentation. They have a few different people who each has their own area of expertise, however, you were never shuffled around randomly. They worked seamlessly together. and each of them checked every box for knowledge, professionalism, organization, helpfulness and I could go on. I really could. Any time we called or emailed there was always someone there for us. Weekends, nights, holidays, it didn't matter. They were very prompt to respond to whatever arose. I think it's probably the best teamwork I've ever experienced in ANY company. I am truly awed by it. The personal touch they added made the process very comfortable. You weren't just a number, they knew you. It isn't about the money for them, they truly want to help people and it shows in every aspect of their business.They are what other lenders or any company should strive to achieve in their practice. I worked with Irene probably the most and I can't tell you what a Godsend she was for us. We weren't educated on the buying or lending process at all. She was so supportive, especially when we ran into some hiccups on the actual buying process. It wasn't part of her job but she spent so much time helping me through my stress with her knowledge and her kindness. I am really so grateful to her. Kelly really has an amazing team!
Can't say enough about how easy and convenient this process of purchasing my home was with Kelly Zitlow Group. They were always a call away and I felt like I had to do almost nothing myself. I would recommend them to everyone!
A pleasure to work with from start to finish! Handled my initial loan and 3 years later I trusted them to do my re-fi. Could not recommend more!
They were amazing! They answered all the questions I had. They were extremely helpful. I was traveling for the holidays and they were able to speed up the closing date to better suit my schedule. Highly recommend the entire cornerstone and Kelly Zitlow group.
Professional and ver helpful. Thank you
It was great! Very fast and professional
The experience was fast and simple. Everything was done online and the final documents were signed at my house. The lady I worked with Danielle was friendly and very proactive in getting things done.
Kelly Zitlow and her team do amazing work. I’ve used them numerous times over the last 18 years and have always been very satisfied with the service.
They made everything go smoothly. I am greatly appreciative of there knowledge and support.
The Kelly Zitlow Group was very professional, prompt and courteous in helping me through the loan process. They were always available for when I had questions. And a house loan is never a fun experience, but Kelly and her group of excellent employees made the process smooth and bearable. I would highly recommend them. They were with me every step of the way.
Let’s connect
Contact Kelly
Share a little about your plans and how to reach you.
kellyzitlowgroup@houseloan.com
Office locations
Suites 201 & 202
Scottsdale, AZ 85260
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 Kelly today.
