leith@brothersmloans.com
801-636-9834
Leith Grasteit
Buying a home or exploring a refinance? Connect with Leith to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Leith
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 Leith
Fantastic lender experience! Very responsive, helpful, great people. Fair and honest. Everyone interaction with Cornerstone has been an absolute pleasure
Great work. Quick responses and best rates!
Leith was friendly, knowledgeable and great to work with. He took time to answer all of my questions and helped make the process as easy as possible. Would definitely recommend him to my friends and family!
We had an absolutely amazing experience with Cornerstone Home Lending. From start to finish, their team was incredibly responsive and always available to answer our questions. They really took the time to understand our personal circumstances and worked hard to find the best package to suit our needs. The entire process felt seamless and stress-free, which is saying a lot when it comes to mortgages! We genuinely felt looked after every step of the way. I would highly recommend Cornerstone Home Lending to anyone looking for a knowledgeable, supportive, and efficient home lending service.
Was a great experience dealing with Leith and his team of competent loan personnel. Everything went extremely smooth, I would definitely recommend to anybody looking to get a mortgage and have a great experience doing so!
Leith was extremely helpful in every aspect of the process. He was very communicative and always took the time to immediately answer all of my questions or concerns. He also provided honest, valuable advice when asked. Simply put, Leith is the best lending agent I’ve ever worked with!
Excellent job, very helpful!!
Let’s connect
Contact Leith
Share a little about your plans and how to reach you.
Office locations
Suite 2
Santa Monica, CA 90402
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 Leith today.
