More ways to say yes to non-traditional homebuyers
- Lending since 1988
- Non-QM and specialty loans
- Renovation and construction loans
- 100% commitment to closing on time
Bridge loan
Short-term financing that lets you move into your next home without waiting for your current one to sell:
Borrow against your current home's equity
Flexible short-term repayment structure
Move on your timeline, not the market's
Ideal for: Homeowners who need short-term financing to bridge the gap between buying and selling a home
Closed-end second mortgage
A one-time lump sum loan used to access your home's equity without touching your existing mortgage:
Fixed loan amount with a set repayment schedule
Predictable monthly payments for easier budgeting
Access your equity without refinancing your existing mortgage
Ideal for: Homeowners who want to leverage their equity while keeping their current primary mortgage rate intact
HELOC (home equity line of credit)
A reuseable line of credit that lets you tap into your home's equity when and how you need it:
Revolving credit line you can access during the draw period
Only pay interest on the amount you draw, not the entire credit limit
Interest-only payment option available during the draw period
Ideal for: Homeowners looking for ongoing access to funds for home improvements, major expenses, or long-term financial planning
Conventional, FHA, USDA, VA, and more: Browse our suite of standard loan options.
Non-QM loan
A versatile home loan for borrowers who don’t meet traditional lending guidelines:
Flexible qualification criteria outside conventional loan requirements
Multiple income verification options, including bank statements and 1099s
More options for buyers with unique credit or asset profiles
Ideal for: Self-employed homebuyers, investors, and high-net-worth individuals who need a loan that fits their finances
Professionals Plus* loan
A loan1 built around where your career is going, not just where it's been:
No down payment for loans up to $1 million
No mortgage insurance for lower monthly payments
Available to registered nurses, doctors, residents, fellows, attorneys, and CPAs who have a Cornerstone Capital Bank checking account
Ideal for: Physicians and other eligible professionals with strong income potential
One-time close construction loan
A loan that combines your construction financing and permanent mortgage into a single closing:
One application, one closing, one set of closing costs
Lock in your interest rate before construction begins
Available in conventional, FHA, VA, and jumbo loans
Ideal for: Homebuyers who want to build a new home without going through two separate loan processes
Renovation loan
An all-in-one loan that rolls the cost of repairs or upgrades into your mortgage:
Finance your purchase/refinance and renovation with a single loan
Covers the home price, plus eligible renovation costs
May be more cost-effective than separate financing options like HELOCs or home equity loans
Ideal for: Homebuyers purchasing a fixer-upper or homeowners planning renovation projects
Wondering which specialty loan is right for you?
Contact a Cornerstone loan officer to explore your options.
