TheCortezTeam@houseloan.com
704-378-8655
Lisa Bellman-Cortez
Buying a home or exploring a refinance? Connect with Lisa to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Lisa
Lisa has devoted her career to enriching – and saving – the lives of others. She taught elementary school students for several years, then earned a degree in nursing and served as an ER nurse. "My passion has always been to make a positive difference," she says. "Working in education, healthcare, and now, housing is my way of giving back to the community I love so much."
Clear guidance, open communication, and instant accessibility form the foundation of Lisa’s exceptional service. Educating clients about their options and the financing process is a top priority for Lisa. She takes the time to walk customers through each step and breaks down all the upfront and future costs of their mortgage program. Backed by her personal attention and prompt updates, Lisa’s clients have everything they need to make confident, well-informed mortgage decisions.
Lisa holds a BA in Education from her hometown college, Indiana University of Pennsylvania. She also graduated from Mercy School of Nursing in Charlotte, North Carolina. When she’s not helping people achieve their homeownership dreams, Lisa spends as much time as possible with her husband and their two sons. She also enjoys hiking with the family and their two poodles, traveling, curling up with a good book, and gardening.
What clients say about Lisa
Cornerstone representative,Patrick kept us informed during the load approval process in a timely manner.
Very organized and helpful at all times during the process
Great loan experience. Patrick was resourceful and communicated well throughout the process.
Very supportive team. Patrick was overly patient and responsive. He’s extreme knowledgable and willing to confirm information for strategic accuracy. The team works well together and share the documentation as needed.
My processing team and lender was an amazing and comfortable experience! I would forever be grateful and would recommend this group to anyone. Thank you all again in assisting me and my family into our new home!
The whole process was very smooth great experience!!!
From my first interaction until my closing I was always able to communicate with my rep. The entire team was so easy to work with. They kept me updated on any outstanding tasks on my end and always were available to answer my questions. Five star service!
Lisa Cortez is very knowledgeable and has great customer service skills. She made the process smooth and effortless for me. I recommend using Cornerstone Home Loans for all of your home loan financing. I would definitely use them again. I am truly a satisfied customer.
Great work.
Excellent service, great communication, and a pleasure to work with!
Lisa saved the day. Thank you Lisa.
Our experience was smooth and enjoyable.
Let’s connect
Contact Lisa
Share a little about your plans and how to reach you.
Office locations
Suite 300
Raleigh, NC 27607
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 Lisa today.
