Meet Your Mortgage Advisors

Sr. Mortgage Advisor,
Executive Vice President, Sales & Marketing
NMLS 164330
480.725.0150

Kelly Zitlow is a transformational leader, serving as the Executive Vice President of Sales and Marketing for Cornerstone Capital Bank. With nearly three decades of experience in the mortgage industry as an award-winning Sr. Mortgage Advisor, she assists with the strategic direction of the company’s mortgage sales team, builder division, and corporate marketing department, driving growth through technology and innovation with a focus on measurable results.

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.

CLICK HERE to read Kelly's complete bio.

Sr. Mortgage Advisor
NMLS 203298
480.378.3301

Tara is a powerhouse when it comes to precision, process, and proactive support. With over 15 years of experience in home finance, she brings a deep well of knowledge to every client interaction. As our Sr. Loan Partner, Tara plays a critical role in guiding clients through the loan application process and leads the pre-qualification phase for our entire team. Her thorough understanding of lending guidelines and attention to detail ensure that clients are set up for success from the very beginning. Known for her problem-solving mindset and caring approach, Tara is a trusted resource who makes the complex feel simple. Her commitment to excellence and service creates a smooth, confident path for our clients as they move toward homeownership. Outside of work, Tara is married and a proud mom to twin boys and a daughter who keep her on her toes and inspire her daily.

Sr. Loan Partner,
Team Captain
NMLS 1121576
480.631.4605

With over 27 years of mortgage experience, Karen is the steady hand and strategic mind behind the scenes, ensuring every loan stays on track and every client feels supported. As the Team Captain and Kelly’s trusted “wingman” for more than two decades, Karen helps lead and guide our team with unmatched expertise and calm confidence. Karen plays a key role in setting our clients up for success from the moment their offer is accepted through closing day. She manages the contract-to-close process, serves as our go-to resource for complex income scenarios, especially self-employment, and knows every nuance of the home loan journey. If there’s a challenge, Karen doesn’t just manage it, she solves it. A proud mom of four, Karen beams with pride over her oldest son’s service in the U.S. Navy. As a military daughter herself, her father served 20 years in the Army, she carries a deep respect for those who serve and brings that same sense of duty and care to her work every day.

Executive Assistant to Kelly Zitlow
480.448.2081
Yo Hablo Español*

As the Executive Assistant to Kelly Zitlow, Kazumi plays a vital role in keeping the wheels turning smoothly behind the scenes. She expertly manages Kelly’s schedule, priorities, and daily operations, allowing the team to stay focused, aligned, and moving forward. With a sharp eye for detail and a calm, can-do approach, Kazumi ensures every day runs with efficiency and purpose. Outside of work, Kazumi loves exploring new destinations with her fiancé and spending time with their lovable French bulldog, who keeps them both entertained and on their toes.