SCombs@houseloan.com
301-476-4100
Steve Combs
Buying a home or exploring a refinance? Connect with Steve to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Steve
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 Steve
As a self-employed business owner, finding the right refinance solution wasn't straightforward. I initially spoke with another loan officer who recognized that I would be better served with a bank statement loan and connected me with Steve Combs, and I'm incredibly grateful she did. From the very beginning, Steve was responsive, knowledgeable, and easy to work with. He returned calls and answered questions quickly, even after normal business hours, and took the time to clearly explain my options and what to expect throughout the process. What stood out most was that Steve looked beyond my tax returns and carefully reviewed my bank statements to evaluate my income. That approach gave me access to financing options that better reflected my financial situation as a self-employed borrower. Refinancing can be stressful, especially when you're unsure what options are available, but Steve brought clarity, confidence, and a strategic perspective every step of the way. I never felt like just another loan application. He genuinely took the time to understand my goals and help me make informed decisions. I highly recommend Steve Combs to anyone looking for mortgage guidance, especially self-employed borrowers, homeowners considering a refinance, or anyone who needs a thoughtful and strategic review of their mortgage options. His expertise, communication, and commitment to helping clients stand out in an industry where that level of service can be hard to find.
Steve Combs is very knowledgeable in the home financing arena! I have bought many homes in my life and Steve Combs has the best approach to home buying and lending that I have ever experienced! Steve does an amazing job preparing and explaining your home buying process. He is kind and patient when it comes to explaining all the ins and outs of home buying, which helps his clients save money. In this stressful time of my life, Steve is there with all the answers! That's why I gave Steve 5 stars. He definitely earned it!
Steve was a pleasure to work with. He goes out of his way to make himself available to answer all questions and made navigating the lending process a breeze!
Just started working with Steve. I’ll update once things are figured out.
Steve is the best lender I've work with to date. He was very detailed from initial offer to closing and always kept me up to speed as to where I was in the process. I'll will be recommending him to anyone in the market for a home.
Steve Combs was great to work with! He’s very friendly, efficient and communicative throughout the entire process. He has helped me with the purchase of now 2 houses and would highly recommend him and Cornerstone Home Lending.
Steve Combs is one of the best lenders I worked with. He treating his clients with professionalism and really care about getting the best terms on the loan for his clients. It’s not about his interest, it’s about what ever it takes to make his customers happy. I always refer my clients to Steve Combs.
Steve Combs and his teams are best, if anyone looking to buy house first thing first, don’t hesitate to call Steve and get pre approval. I highly recommend
Fantastic experience working with Steve and his team! Everyone was highly communicative throughout our home buying process and helped us navigate as first time home buyers. Highly recommend!
Joe was extremely easy to work with. He was very knowledgeable about the current market, timely and very communicative. I look forward to working with Joe in the future! Thanks for an easy transaction, Joe!
Let’s connect
Contact Steve
Share a little about your plans and how to reach you.
Office locations
Unit 101
California, MD 20619
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 Steve today.
