Buying, Selling, Renting or Mortgage Loans. We've Got you Covered.

We Make It Happen.

About Me

We Make it Happen

Welcome to my world of real estate excellence! I am Yessenia Cordero, a passionate and experienced professional, committed to empowering you in the dynamic Charlotte metro area. With over a decade of expertise in real estate and property management, I have honed my skills to guide you confidently towards your financial goals. Whether you're a first-time buyer, seasoned investor, or seeking your dream rental property, I am your trusted partner in this exhilarating journey. As a bilingual Spanish and English realtor, notary, and property manager, I take pride in providing personalized solutions tailored to your unique needs.

Innovation Through Collaboration

Welcome to the Mortgage Loans Division, where your homeownership dreams take shape and become reality. Led by our firm, a trusted name in the real estate and financing landscape, our team is dedicated to providing you with tailored mortgage solutions that align with your unique goals.

Why Choose Our Mortgage Services?

At our firm, we understand that securing a mortgage is a pivotal step in your real estate journey. Our expertise extends beyond the conventional, as we guide you through an array of mortgage options, catering to first-time buyers, seasoned homeowners, and investors alike. With access to an extensive network of lenders, we ensure competitive rates and flexible terms, ultimately empowering you to make the most informed decision.

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Why Choose Us

The Yessenia Cordero Advantage

As a mortgage loan origination expert, I assist clients in securing the best mortgage options to finance their dream homes or investment properties. I offer personalized guidance, analyzing their financial situation to recommend suitable loan products with favorable terms. Throughout the application process, I keep clients informed and handle all necessary paperwork, ensuring a smooth and efficient experience. We offer all products. 

Do you want to become an MLO or Apply for Mortgage? Click below to get started.

Ready to Get Started?

Embark on your mortgage journey with confidence, backed by Yessenia Cordero’s expertise and dedication. Reach out today to schedule a consultation and take the first step towards securing a mortgage that aligns with your aspirations. Your dream home is within reach, and we’re here to make it happen together.

Fill out the from below to get started.

Yessi Loans Form

What Our Clients Say

After years and months searching for the right place, We must say we are happy to consider Bottom Line Property home. Took us a while to learn how to put in a maintenance request, but once learned, no problem since. We recommend them if need the perfect place to stay. Ask for Yessi..

Kaptions Kaught

Yessi and the whole team have been a complete dream to work with! Answers my texts and calls in a timely manner while also being extremely informative when answering our questions. Super excited to move into our rental in the coming weeks and know we have an all star property management team to help us with anything along the way.

caroline pool

I will recommend Yesse 100% for any of your Proyect getting a house, she’s very patient on getting all the information and help you to get the point to get a new house, I personally had the most easy way with her getting my house in no time, she help thru all paperwork to my new house 🏡 thx you yessi for all.

CGonar Carlos Gonzalez Arroyo

Great service from Yessi (Lease Manager) while I was setting up my lease and lovely support from Tammaria Boyd (Office Manager) when I inquired about my 30 days notice. Thank you both for making this process simple and for being kind the entire way!

Alysha Baker

Thank you Yessi for your help with the purchase of my homes!. Very good service. Honest and transparent. Excellent!! Recommended at last 100%%%

Amalia Mendoza

Yessy was so great to work with 🙂 Fast and proactive, and great communicating.
Thank you for being so amazing and great at what you do!

Anthoni Delorbe

First off I would like to think God Almighty for putting *****Mrs. Yessenia in my pathway!!!! Bottom Line Realty Company needs to give this Young Lady an "OSCAR AWARD" for her services not only did she help me in finding my new home but she stayed by my side every step of the way from start to finish until the day I moved in and even after that!!!! This Company by far is Professional and Quick with response time and they definitely delivers!! I'm proud and happy to say if you are shopping and looking for a decent home and and great customer service call in the heavy hitters and ask for Yessenia and you won't be disappointed 💪😎 I will always use this company when needing to find property!!!

Thanks ,
Bottom Line Property

BIG BILL

Excellent service!!! Yessi was excellent trough the whole process of selling my house, I’m very pleased, and she also help me find a rental property which I’m very very happy, me and my kids are very comfortable in our new home, as a single father it’s very hard to find time to do all the process but she did more than she has to to accommodate my schedule and the selling schedule. I appreciate all the help. Definitely recommend it 100%.

Leonardo Lendeche

Yessi is the best!!!! I had the most amazing experience here! She helped me and my family into a beautiful home. I am so grateful for her! She was patient caring helpful kind a quick responder any questions I had she was there and on top to get us into a house fast! Thank you so much Yessi you have been wonderful!!!

Karen Perez

Yessi is the best!

We are renting a home through Bottom Line. We did the original walk through and needed some things fixed (paint, holes, deep clean, etc…). We did a 2nd walkthrough a few days before our move and were concerned with some of the issues that hadn’t been fixed. We called Yessi and within 2 days she went above and beyond what we asked. Did our final walkthrough today before our move and the house is perfect! Yessi was extremely professional, responsive and on top of the whole process. Thank you so much Yessi!!!

Nicholas Roy

We found a beautiful home to rent through Bottom Line Property Management. Yessi made the rental and move-in a breeze!! She was always available for us no matter how many times we called and emailed her and was always quick with a response. If you need help with a rental, I highly recommend you call Bottom Line and ask for Yessi!! She will walk you through every part of the rental process!! Thank you Yessi for all your help and patience!!

Robin Blackman

Yessi was a God sent. She helped me get a house that was right on the budget and location. She worked with me with the different options I had even with a credit that’s not so great. Definitely recommend working with her and with this company.

Jean Kerk Guerra Aguero

Yessenia helped me. She is a wonderful person. Very helpful in finding my home and making the process easy for me. I highly recommend her service.

Nefi Maradiaga

Yessi is my property manager and from the start she's been prompt, responsive, courteous and helpful.

The property was in great condition on move-in and the whole process was quick and mainly seamless.

john puckett

Yessi es muy buena en su trabajo nos encontró renta pronto y muy amable

Rosaicel Arce

Lo mejor de lo mejor la atención muy buena,una persona muy carismática y soluciona y responde a cada una de tus dudas y problemas,excelente servicio👏👏👌gracias Yessi

Kevin Bautista

Yessi helped me get into a rental in such a short amount of time due to unexpected circumstances and she was fantastic to work with. She was very responsive and helpful. She made a very stressful process much less stressful.

Maria Hagadorn

This young lady is the realtor you need and want she is amazing, resourceful, knowledgeable and professional.

Darling Urbina

Thank you Yessica so much for your help in finding new home!

Juan Pelaez

Gracias por la ayuda con la nueva casa!

Yodileth Zamora

Mortgage Lending FAQs
What mortgage options do you offer?
We offer a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and government-backed loans.
What are the eligibility requirements for a mortgage loan?

Eligibility criteria typically include credit score, income, employment history, and debt-to-income ratio. Requirements may vary based on the loan type

What documents are needed to apply for a mortgage?

Commonly required documents include tax returns, pay stubs, bank statements, and identification.

Can I get pre-approved for a mortgage?

Yes, we offer pre-approval services to help you understand how much you can borrow and enhance your bargaining power in the real estate market.

What factors can lead to mortgage application rejection?

Factors like poor credit history, insufficient income, high debt levels, and discrepancies in the application can lead to rejection.

What are the different loan programs and the requirements?
General Requirements for Both States:
 
Valid government-issued ID
Stable employment with a history of at least 2 years
Good credit score (usually a minimum of 620)
Debt-to-income ratio within acceptable limits (typically 43% or lower)
Sufficient funds for down payment and closing costs
NC/SC FHA Loan Requirements:
 
Down payment of at least 3.5% of the purchase price
Maximum debt-to-income ratio of 43%
Loan limits based on the county where the property is located
NC/SC VA Loan Requirements:
 
Available to eligible veterans, active-duty service members, and some surviving spouses
No down payment required for most borrowers
No mortgage insurance premium (MIP) required
NC/SC USDA Loan Requirements:
 
Available for properties in eligible rural areas
Down payment of 0% required
Income limits based on the county and household size
NC/SC DSCR Loan Requirements:
 
Debt-Service Coverage Ratio (DSCR) loans are commonly used for investment properties
Lenders may require a DSCR of 1.2 or higher, which means the property’s net operating income should be at least 20% more than the mortgage payment
 
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