LForehand@houseloan.com
252-384-6909
Lance Forehand
Buying a home or exploring a refinance? Connect with Lance to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Lance
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Lance
Lance was awesome. Probably the best there is. He treated us with great respect and was quick to answer are question and get things done. Thank you, Lance
Lance was wonderful to deal with. He stays on top of things and he is very informative with information. Loved dealing with Lance!
This is the 2nd time I used Cornerstone and Lance Forehand as my broker. Both times were great experiences. Lance worked very hard and fast to meet our needs. Thank you Lance/ Cornerstone for such painless transactions. The professionalism you brought to accomplish our needs is top notch!! Thank you for making our dream home come true. You guys rock!!
We cannot say enough good things about Lance. He was excellent to work with, and made the loan process a pleasure. Lance is kind, honest, and extremely time oriented. I highly recommend Cornerstone Lending and Lance Forehand.
Thanks to Lance Forehand, purchasing my home was absolutely seamless. I am so grateful for the all the work he put into it, so that I didn’t have to. Thanks, Lance!
Mr. Lance Forehand was amazing!! Through all of the tedious work and some long nights, Lance was there to assist me in anyway that I needed.
Lance and Becky were very responsive and very dedicated to making our home buying process a breeze. Really thankful for this team!
The process was smooth and the folks were wonderful. They answered all my questions. They were caring and kind.
Very fast and responsive! Made our entire process smooth!
Lance and his team are Amazing! Everything went so smoothly with our home buying process.
interactions were great through guiding, informing, updating, providing essential information, etc.and utilizing effective communications that benefited my time availability and means of communication interaction to be efficient.
Lance was amazing! Very helpful every step of the way. Will use him and cornerstone if we ever purchase again.
Let’s connect
Contact Lance
Share a little about your plans and how to reach you.
Office locations
Suite 300
Raleigh, NC 27607
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Lance today.
