We offer a broad selection of Conventional, FHA, and VA mortgage loan products including jumbo, conforming fixed rate, and adjustable rate mortgages, as well as many other innovative mortgage solutions.

It's a complimentary service, and using it can save you thousands of dollars per year. When you consider that many buyers will live with this financial commitment for up to 30 years, picking the right program for you is very important.

"Lock, Then Shop" Mortgage Loan Program
Our "Lock, Then Shop" Mortgage Loan Program allows you to lock in today's low mortgage interest rates now.... before you sign a home purchase contract. It protects you against rising interest rates while you shop for that perfect home.

Here's how it works:

• You make a full credit application with us for an agreed upon loan amount.
• A standard loan application fee is collected.
• Upon full credit approval, we will provide you a lock-in cap rate at our published Quote Sheet rate plus 1/2% up front fee for a period of 30 days based upon an agreed upon loan amount.
• You will be given 30 days to provide Cornerstone with an executed sales contract.
• Upon receipt of the executed sales contract, you have the one-time option of extending the original lock-in rate for 30 days, or floating down to the current Quote Sheet price, in the event interest rates are lower. The loan must be funded within the new 30-day lock period.
• In the event that you do not qualify, we will reimburse you the unused portion of the application fee. If you receive credit approval, and then do not find a property or close with us as agreed, we will retain the unused portion of the application fee.
• "Lock, Then Shop" is available on most Loan Programs.(ARM's excluded)

Written Low Price Guarantee
We can provide with you the lowest price in town to buy your new home because we have drastically reduced our interest rates.

To take advantage of this offer, make a loan application with us and we'll provide you with a written Interest Rate Lock-in Agreement and identify our closing costs in writing.

We're so confident that our rates and closing costs are so low, that we will give you a low price guarantee.

Should you find a lower price and closing costs, we will either match that deal or we'll gladly refund the loan application fee.

We only ask if you do find lower prices that you furnish the competitor's interest lock-in agreement and list of closing costs for a loan with the same terms and lock-in period within 24 hours of your loan application interview with us.

Custom Home Construction/Permanent Loan Financing/One-Time Closing
Some mortgage companies require you to close twice on new home construction : once to buy the land, and again to fund the construction.

Not with us. Not only can you close once and save duplication of fees, but construction costs are reduced by not including your builder's marked-up financing in his fee. Here's how it works.

• You determine what you need for land and construction financing, and close one time.
• During the construction phase, you will pay the low rate of prime plus 1%. We offers several construction phase financing periods of 6 , 9 , and 12 months.
• Upon completion of construction, we can offer you several loan programs, such as 15, 20 and 30 year fixed rate and 1, 3, 5, 7, and 10 year adjustable rate mortgages.
• Your permanent loan ceiling rate is locked at application, and there is a free float-down feature, should market rates fall before construction completion.
• Cornerstone offers very aggressive loan-to-values: 
  90% LTV's to $500,000

• We can work with loan amounts from $150,000 to $500,000 plus.
• In-house underwriting will guarantee a quick and smooth approval.

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