We have a loan for every milestone
Since 1988, we've been helping people find home loans they feel good about. From mortgage, banking, and insurance to long-term financial guidance, Cornerstone supports you at every stage.
MORTGAGE GUIDANCE
Let’s write your next chapter
Mortgage financing isn't one-size-fits-all, and it should never feel that way. We start by understanding where you are and where you're heading. Your goals, timeline, and financial picture guide every recommendation we make.
At Cornerstone, you have access to real people who explain what's happening, why it matters, and what comes next. Our teams handle processing, underwriting, and servicing in-house. This keeps communication clear and the mortgage process moving forward with minimal delays.
How can we help?
We’re your complete financial home
Whether it's mortgage and insurance or personal and commercial banking: If it affects your financial life, we’re here to help.
Purchase loans: Conventional, FHA, VA, USDA, and more
Refinance loans to lower your rate, shorten your term, or cash out on your equity1
First-time buyer programs and down payment assistance
Flexible financing for self-employed borrowers, ITIN, medical professionals, new construction, and more
Banking, insurance, and savings and checking accounts with industry-leading rates
We're here long after closing day
With many lenders, the relationship often ends once you have your keys. At Cornerstone, we're your financial partner for all your future needs.
In-house underwriting for faster decisions and fewer surprises
100% on-time closing commitment
Equity planning, savings strategies, and long-term financial guidance
Financial solutions for wherever life takes you
Buying a home is only the beginning. Many borrowers also explore insurance, savings strategies, and long-term financial planning after closing.
First-time buyers: Programs to overcome credit and affordability barriers
Self-employed borrowers: Bank statement loans and non-traditional options
Established homeowners: Refinance strategies, equity planning, and wealth-building
Business owners: Commercial banking and treasury management scale with you
Plan for what's next
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with a Cornerstone loan officer near you.
Mortgage FAQs
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 balloon mortgage has a fixed-rate payment for the first 5 to 7 years of the loan, then a lump sum payment of the loan balance is due at a specified date when the loan matures.
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.
This is a loan that exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA) and is ineligible to be purchased Fannie Mae or Freddie Mac. Jumbo loans can come with maximum limits up to several million dollars. Luxury homes or properties in highly expensive markets are typically financed with jumbo mortgages.
