sclark@houseloan.com
713-481-4891
Stephen Clark
Buying a home or exploring a refinance? Connect with Stephen to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Stephen
Senior Loan Officer Stephen Clark is dedicated to exemplary customer service, integrity and professionalism. Possessing more than a decade of industry experience, Stephen understands the entire home-buying process and excels in finding mortgage solutions for each and every client.
Through Cornerstone's "Client for Life" program, Stephen provides enhanced services and consistent communication for his clients and strategic partners. Convenient online prequalification and in-house processing, underwriting, closing and funding are among the many beneficial services that make Cornerstone the right choice. Stephen has access to the right home loan products and pricing available to fulfill the needs of his clients across the great state of Texas.
Prior to joining Cornerstone Home Lending, Stephen assisted homebuilder clients with their residential financing needs. When he is not helping clients become homeowners, Stephen enjoys spending time with his family and friends.
What clients say about Stephen
Good communications and no problems during the transaction.
Stephen Clark was fantastic with the process of buying my first home! He walked me through every step, every document to be sure I understood everything I was reading and signing. He was available for every question and concern I had. Highly recommend him!
Steve was great and helped me get all the right stuff I needed. Been dealing with Cornerstone for a long time now and have always been happy with your representation.
Steve is the best! We’ve closed numerous deals over the years and there’s no one better!
Clean, concise and all together a smooth experiance. Steve Clark was great.
Steve is amazing. Helping me along even though he was hours away. Explaining everything so that i knew exactly what i was signing.
We just completed our 4th property purchase through Cornerstone and we could not be happier with Stephen Clark. The professionalism, attention and courteous treatment is always above and beyond what we expect.
Exceeded my expectations! I had the pleasure of having Mr Steven Clark as my loan officer..He is very professional,knowledgeable,and curtious.. I would definitely recommend him for the great service that I received from him.
Bo and his team did a phenomenal job working with us. Along the way they were always available to answer questions and regularly communicated with us during every stage of the home buying process. The team was very professional, knowledgeable and you could sense that they genuinely cared about helping their clients. They made the whole process as stress free as possible.
When we bought our first home we went through a big bank and just thought the home buying experience was complicated and it was normal to not know exactly what you were getting. What a surprise it was to work with Steve Clark and find out that you should know exactly what to expect up front! I can't tell you how much stress he saved us by making the whole process clear and providing several options so that we could pick what works best for us. Thank you Steve & Cornerstone for the easy and stress free home buying experience!
This is our second time around with Cornerstone because it’s so easy and pleasant experience..
Awesome job. Thank you Steve for everything.
Let’s connect
Contact Stephen
Share a little about your plans and how to reach you.
Office locations
Suite 700
Houston, TX 77027
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 Stephen today.
