Headshot of Heather Musto

Heather Musto

Mortgage Consultant

The Chris Musto Team

NMLS #2427509

150 Second Avenue North, Suite 850
St. Petersburg, FL 33701
Contact Methods
tel Phone
mobile Mobile
(813) 765-1476


About Heather

Real estate has always been a big part of my life because it’s a family business. I started in real estate law and achieved a master's degree in business administration before bringing my knowledge to home financing. Making a positive impact on someone by guiding them through the homebuying process is what motivates me. Between my client and sales service, expertise in the local housing market and loan products, and communication, you can guarantee that I’ll go beyond your expectations.

Whether this is your first or third home, we’ll start by discussing your available options and each step in the process. As someone who's reliable, trustworthy, enthusiastic, and responsive, I’ll answer any questions you have with full transparency. I offer a wide variety of mortgage programs, including conventional, jumbo, FHA, and VA. Together, we’ll find a home loan to fit your plans.

On a personal note, I’m a wife and mother of two young boys. I love being active and am a regular at Pure Barre St. Pete. Whenever I can, I enjoy spending time outside – whether paddle boarding, going to the beach, learning to play golf, or hanging at the playground with my kids – and learning about fashion and interior design.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 727-201-5852