2026-07-06T23:59:54.234Z

I highly recommend Heather and her team for your mortgage needs.After having a negative experience with a previous lender, I was introduced to Heather, and the process has been incredibly smooth. She explained every detail of the process to me, and her team maintained an excellent level of communication throughout.If you are looking for a mortgage, I strongly recommend working with them.

2026-06-22T21:26:57.465Z

Heather and her team made our refinancing a relatively stress free experience. They are extremely knowledgeable and did an excellent job keeping us up to date during each phase of the process, in addition to being easily available to answer any and all questions that we had. Heather worked hard to get us the best rate and explained thoroughly the options we had so we were not only informed, but felt confidence in our decision. We are just both so grateful to have been able to work with Heather and her team and would recommend her to all our friends and family. Truly outstanding service. Well done!!

2026-05-24T05:34:03.184Z

Highly recommend!!!! I had the absolute best experience with Pioneer Home Girls. I worked with Heather and let me tell you she was the most amazing mortgage broker. This was my first time buying a house so I didn’t really know what I had to do and Heather went above and beyond for me. The entire team that I had for the house buying process was so great. I appreciate everything they did for me and will 100% be using them again in the future. Thank you all so much!!!!

2026-05-18T13:53:51.293Z

I worked with Heather on my financing for a purchase of a new home. When I say that not all loan officers are equal, that is true Heather was in my corner the entire time trying different options of financing and using sellers credit to benefit me in the best way possible I would not recommend any other person for your lending needs Her and Brooke are a great and responsive team team That will communicate and explain your entire lending process

2026-05-12T18:27:35.794Z

Heather was fantastic from the very beginning all the way through to closing. She was incredibly attentive to detail, kept in constant touch, and always asked if we had any questions. She helped us gather all the necessary financial documents and made uploading them super easy. Her responses were always rapid, and she even monitored current interest rates to make sure we got the best possible rate. The whole process felt smooth and stress-free. Highly recommend working with her!

2026-05-05T14:24:26.068Z

Heather and her team were a pleasure to work with to finalize my home purchase. Great attention to detail and easily walked me through all the steps. They even held closing at their offices. I am sure I asked some basic questions, yet Heather always answered very professionally and had a fast turn around time. If you need a competent mortgage broker, look no further!

2026-05-05T12:12:06.937Z

Heather and Pioneer Home Girls at Pioneer Mortgage run a tight operation with clear communication, fast execution and a seamless closing (we chose the hybrid closing option that took less than 20 minutes onsite). This is exactly what you want in a mortgage partner. Would absolutely work with them again. Highly recommend.

2026-04-10T01:01:59.772Z

Excellent 5 Star rating for Heather and her Team!Communication could not have been better, Answers to my questions were extremely helpful. From Start to Finish the communication, follow up, helpful guidance could not have been any better. If you are looking for a Mortgage company that is worth your hard earned money....reach out to Heather at Pioneer!Sheila REstero, FL

2026-04-06T21:20:09.839Z

Heather and her team helped us purchase our first home! We started the process in February and closed on our dreamy family home in March. Pioneer girls work FAST. They were there to navigate us through any hiccups and ensure we got the best loan type, rate and kept everything transparent along the way! Brooke is seriously the sweetest and held my hand through the whole journey! They were also able to help us find homeowners insurance for a fraction of what we thought we’d be paying and have an awesome network of people! For any future property purchases, we know we’re in good hands!10/10 recommendThanks, girls!! 🤍✨

2026-04-03T19:24:19.127Z

Heather is the best!

2026-04-01T14:32:48.515Z

Heather and the team at Pioneer were amazing - very organized, and professional. Would definitely recommend.

2026-03-23T14:08:50.273Z

Heather is amazing, professional experience!

2026-02-28T15:14:25.871Z

HEATHER is hands-down the best customer service oriented mortgage broker in town!! She worked with me to ensure that I understood everything about the process, she listened to me if I got frustrated with anything about the process, and she was very solution oriented and very helpful in every way possible. She went above and beyond time and again! I felt like I was not just working with a mortgage broker, but a full service financial boutique regarding everything to do with my mortgage. This team offers a wealth of information and professional guidance. You will be in excellent hands when working with them!

2026-02-27T20:39:47.572Z

Working with this Tampa mortgage professional was truly an outstanding experience from start to finish. They were incredibly attentive, always taking the time to answer questions and explain each step of the process in a way that was easy to understand.What stood out most was how quick they were to respond — no matter the time or the complexity of the question, I always felt like a priority. Their professionalism, efficiency, and personal attention made what can often be a stressful process feel smooth and manageable.If you're looking for a mortgage broker who is reliable, responsive, and genuinely committed to helping you succeed, I highly recommend working with them.

2026-02-23T17:00:49.720Z

Heather and the team at Pioneer Mortgage Funding were amazing every step of the process. They were kind, professional, treated us like family and very proactive as we worked though the details of the process.

2026-01-13T17:19:40.968Z

I can’t say enough good things about my experience working with this team for my mortgage! From start to finish, they made the entire home-buying process smooth, stress-free, and actually enjoyable.The communication was outstanding — every question was answered quickly and clearly, they kept me updated every step of the way, and they truly went above and beyond to get me the best possible loan terms.If you’re looking for a knowledgeable, professional, and genuinely caring mortgage broker look no further for your Tampa mortgage or anywhere in the south east. This team is outstanding — highly recommend to anyone buying a home!Thank you again for everything — you made this milestone unforgettable!

2025-12-31T02:33:42.467Z

This is the 2nd time we’ve used Pioneer Mortgage Funding and will be asking them to help again when we want to refi. I’ve shopped around and have yet to find another lender with more expertise, ideas, and a desire to ensure you’re doing what’s best for you. Heather is highly responsive and has built a team of people I trust completely if she is away. Please take a moment to reach out to them if you’re in the market to purchase or refi a home.

2025-12-16T12:01:54.899Z

Heather and her team really helped me out 🙌🙌

2025-12-05T20:04:44.801Z

Amazing team, we were super pleased with everything. Highly recommend!

2025-12-03T12:40:59.702Z

If I could give more than 5 stars I definitely would! The Pioneer team worked after hours and weekends to make this loan happen. Very knowledgeable in residential and business funding. We work with Heather on personal and business funding. She and her team are always easily reached and keep communication lines open.

2025-11-01T23:55:14.601Z

We just closed on our new home in Miami thanks to Pioneer Mortgage Funding and I can’t say enough good things about them! Even though they’re based in Tampa, Heather Cortese-Cugno and her amazing team, specifically Brooke and Angela, made the entire process smooth and stress-free from start to finish.Heather is truly a professional mortgage broker who goes above and beyond to make sure every detail is handled with care. She and her team were always available to answer questions, explain every step, and keep things moving quickly. It honestly felt like we were their top priority the entire time.If you’re looking for a Tampa mortgage company that delivers exceptional service no matter where you’re buying, I highly recommend Pioneer Mortgage Funding. Heather, Brooke, and Angela are the dream team!

2025-10-11T19:33:49.784Z

I highly recommend their services. They have refinanced abd closed a new mortgage for us. There was great communication and a super easy closing since they came to my home.They also saved us a lot of money in closing costs which was greatly needed.

2025-10-08T01:06:46.057Z

2025-09-23T15:15:11.477Z

I had the absolute best experience working with Heather Cortese, the Pioneer Home Girl! From start to finish, she made the mortgage process smooth, stress-free, and even enjoyable. Heather is incredibly knowledgeable, patient, and thorough—she explained every step in a way that was easy to understand and always had my best interest at heart.What sets Heather apart is her dedication and personal touch. She went above and beyond to make sure I felt supported and confident throughout the entire process. She was always available to answer questions, kept me informed, and celebrated the milestones right alongside me.If you’re looking for a mortgage broker who is professional, trustworthy, and genuinely cares about her clients, Heather is the one. I can’t recommend her enough—she truly is a Pioneer Home Girl who gets it done!

2025-09-22T17:00:33.320Z

Every one on the team was very knowledgeable and did everything in their power to get me into my home in a very fast and efficient manner. I will 100% be using them the next time I purchase or refinance my home.

2025-09-17T12:47:14.844Z

The refi on my home was seem less. Heather monitored interest rates for 4 or 5 months waiting for the best time to lock on was. There was continual communication and follow up at every step along the way. I would highly recommend Pioneer Mortgage matter of fact I have already referred my daughter in law.

2025-09-13T18:50:44.829Z

Heather and her team with Pioneer Mortgage Funding is the best! She walked us through what can be a very confusing process. She is an extremely knowledgeable mortgage broker who gave us helpful advice given our circumstance She was able to secure a very competitive rate for us. We also appreciate how personable she is, and she always makes time for answering all of our questions. A+ Tampa Mortgage company!

2025-08-06T09:59:50.608Z

Heather and the team in Tampa Florida made my refinance a stress free process

2025-05-29T15:50:15.457Z

Heather Cortese and her team were absolutely wonderful in our first time home buying process! We had an extremely fast mortgage approval.. best mortgage lender in Tampa for sure!! Heather answered all of our questions, very responsive and communicative. We would recommend her to everyone!!!

2025-05-28T19:13:22.051Z

Heather was a great help throughout the entire home buying process. Being a first time home buyer, everything was new and an overload of information, but working with Heather made it very simple. She is by far the best mortgage lender in the Tampa, FL area. Her communication was very enlightening and stress free. I appreciate everything she did throughout the entire process. Highly recommended!