Why CORE ?

Our top priority is to deliver an exceptional customer experience. All of our team members are held to the highest expectations and accountability when it comes to delivering results, maintaining a customer-focused attitude and always operating as a solution-oriented partner. CORE Lending employees are all part of a team working to achieve the same vision, exceeding customer expectations.

core lending review
Eric P.

I wanted to express what a great experience my wife and I had working with Bob and Leah. They answered all of our questions quickly, clearly and concisely, even on a holiday weekend. Our loan process was challenging at times but Margie never let up and worked diligently to get us the best rate possible and we are extremely happy with the results. Thanks to all the staff at CORE Lending!

Our Community

CORE Lending is dedicated to being a vital member of the community through charitable donations and volunteer work. We believe that it is our duty to create a better community for ourselves and those around us.

Funds Raised: $18,000


CORE Lending is headquartered in Magnolia, Texas. CORE Lending is a division of Weststar Mortgage Corporation, a New Mexico company founded in 1983. Weststar is a direct lender that specializes in tailoring lending solutions that traditional lenders and banks consider outside the box. Weststar currently services over $2 Billion in mortgages, is a GNMA Issuer, FNMA seller/servicer and an FHA Direct Endorsed lender with in-house underwriting.

For Borrowers

  • FHA 203k streamline with in-house support
  • One-time close FHA product for new construction
  • FHA, minimal overlays
  • USDA
  • Minimal overlays on AUS approvals
  • Reverse Mortgages
  • And everything else you would expect, FHA/FNMA/VA/USDA

Mortgage Loan Process

Getting a home mortgage loan can sometimes be overwhelming. There are many steps to the mortgage loan process, and CORE Lending is dedicated to making sure that your mortgage loan process is a smooth and pain free process. Check out our step-by-step model of the mortgage loan process, and be sure to contact one of our expert mortgage Loan Officers today!

Get In Touch

Bob Earl background mortgage

Meet Bob Earl

Bob is your Mortgage Consultant. He will meet with you for your loan consultation, educate you, and pick the loan program that is right for you. Bob handles all rates and estimates, budget reviews, and communicates with your Realtor or builder. He will send you a Pre- Closing Notice the day before your closing, and be there in person for your big day.

Bob has 11 years of experience in the mortgage industry covering multiple facets of the planning process including 7 years as a loan originator. Bob has been recognized as an industry Top Producer in 2008, 2009, 2010, 2011, 2012, 2013 and 2014.

Mortgage planning is Bob's area of expertise and includes:

Bob is a 20 year resident of The Woodlands and is actively involved in the community including:

theresa breiner background mortgage

Meet Theresa Breiner

I am blessed to have spent the past 30 years doing what I love…..taking care of my client’s real estate financing needs. My love and passion of working with others, my extensive knowledge of financing and my strong relationships with Appraisers, Title and insurance companies makes me a great asset for you! I provide great customer service, becoming engaged and involved from the first point of contact, doing constant follow up and communicating with my clients. I take care of my clients with “Integrity”.

My family has lived here in The Woodlands for 20 years. Our two daughters attended Conroe ISD from K-12 and are now both attending Texas A&M. I am a huge dog lover and in my spare time love to take my little darlings to the park. I also enjoy working in the yard, traveling with my husband and making time to read.

Leah Stanger background mortgage

Meet Leah Stanger

Leah is your Mortgage Consultant. She will meet with you for your loan consultation, educate you, and pick the loan program that is right for you. Leah handles all rates and estimates, budget reviews, and communicates with your realtor or builder. She will send you a Pre-Closing Notice the day before your closing, and be there in person for your big day.

Leah’s expertise spans 23 years in the mortgage industry. Her roles have been as a Senior Mortgage Banker, Managed Major Builder-In-House Lender accounts, Underwriter and served in Management for a Master Servicing Company overseeing the Default Division.

At the core of her professionalism is a strong commitment to her clients being known as a keen problem solver delivering exceptional customer service and quality communication.

Leah values the trust customers place in her with the signature of service being a truly genuine caring, straightforward approach.

Leah is a native of North Carolina and has been a resident of The Woodlands for 9 years along with her husband and their five children.

margie mortgage

Meet Margie Penny

Margie works closely with the loan officers to help you with your paperwork for loan processing. Once we have your completed loan application, Margie will schedule your loan consultation with Bob and Leah. Once your file is turned in to processing, Margie will call you weekly for your weekly loan update, answer general questions, and will guide you through the rest of the loan process.

natalie mortgage

Meet Natalie Reyes

Natalie works closely with the loan officers in facilitating all necessary documents required for loan approval. She makes certain that the Processor has everything needed for Underwriting, making for a smooth transaction. Natalie’s personal level of contribution is clearly evident in her professional quality of work and dedication to the team.

Natalie joined CORE Lending as a Loan Concierge in early 2015 bringing with her 3 years of operational experience in the mortgage industry.

sal mortgage officer woodlands picture

Meet Sal Trapani

Sal Trapani was a former law enforcement officer and relocated his family to The Woodlands as a result of Hurricane Katrina in 2005. The community welcomed him warmly and as a person of service, he reciprocates through actively participating as a Reserve Deputy locally with the MCSO today. His passion is helping people build their own success through teaching, encouragement and moral support.

As a loan officer his past profession contributes to his success through keen listening skills and his desire to help. Providing reassurance and comfort to his clients today is demonstrated by his client’s willingness to refer their colleagues and friends to him for mortgage services. He is adept at providing mortgage solutions that work for his clients with outstanding communication.

Sal is a single full-time Dad and very proud of his daughter. He loves fishing, exercise and is an avid fan of college football.

Sal's Community Involvement

shelly mortgage officer woodlands picture

Meet Shelly Hatherly

Shelly’s introduction into the Mortgage industry began in 1996 with a local, reputable Mortgage Broker. She returned full time to the Mortgage Lending world in 2002 and has been assisting homebuyers ever since.

With a passion to provide exceptional customer service and a dedication to deliver smooth and successful closings, she has made this the hallmark of the experience she wants for all of her clients.

Shelly places a high value on ALWAYS putting her client’s needs first. With her vast knowledge and expertise of mortgage products, lending guidelines and lending regulations, she will design a loan program specific to your needs.

Grateful for the many amazing opportunities that Shelly has been blessed with, she makes it a priority to stay involved and give back to the community that she grew up in and still calls home today.

Shelly is a native Texan, and resides in The Woodlands with her three daughters.

Shelly's Community Involvement

Thank You!