Prefab-ulous Financing

From Cornerstone Home Lending

Factory-Built Home Loans Made Easy

Discover why over 100 builders nationwide have trusted Cornerstone as their lending partner. As an industry-leader in forward commitments and mortgage joint ventures, we can help you sell more homes, increase profitability, and enhance your brand while delivering exceptional client experiences.

More Loan Programs, More Qualified Buyers

Expand your reach with our full spectrum of financing solutions.

From start to finish, we manage our one-time-close (OTC) loans in-house—minimizing delays and maximizing convenience for you and your buyers.

  • FHA OTC: Down payments as low as 3.5%
  • Conventional OTC: Down payments as low as 10%
  • Properties with up to 20 acres allowed
  • Custom draw schedules to fit your project needs

  • MH Advantage™: Up to 97% conventional financing for manufactured homes with site-built features
  • HomeReady® & Home Possible®: Low down payments with flexible funding sources; ideal for low- to moderate-income buyers
  • FHA: Minimum 3.5% down payment, with up to 5% assistance for eligible double-wide homes
  • Conventional: Minimum 5% down payment for standard manufactured homes (single- and multi-width)
  • VA: No down payment for eligible veterans, active-duty service members, Reservists, and National Guard
  • USDA: No down payment for rural buyers, with up to 5% assistance for eligible double-wide homes

Additional restrictions, requirements and underwriting conditions may apply for all loan programs. Speak with your loan officer for details.

Strategic Solutions Made for Builders

At Cornerstone, we empower you to break through barriers and unlock new possibilities for your homebuyers and your business.

From preferred lender agreements to mortgage joint ventures, our partnership opportunities meet you where you are!

  • Increase capture rates with our fully customizable partnership models
  • Sharpen visibility into your backlog to reduce financial risks
  • Enhance your brand while maintaining operational control

Drive more sales with our industry-leading builder forward commitment program.

  • Promote exclusive below-market rate offers to draw more buyers to your communities
  • Use rate incentives instead of price cuts to preserve profit margins
  • Reduce holding costs by selling homes faster

About Cornerstone

At Cornerstone, we've stayed true to our mission since opening our doors in 1988: to honor God by using our talents to make a positive difference in the lives of others. Over the past 37 years, we’ve empowered more than 524,000 families to achieve their homeownership dreams. As part of Cornerstone Capital Bank, we bring enhanced financial strength, resources, and services to support you and your clients.

  • Proven Partner for Success: Over 20 years of experience as a premier lending partner for builders nationwide
  • Reputation for On-Time Closings: Delivering reliability and peace of mind to our partners and clients
  • National Reach: Registered in 45 states plus Washington, D.C.
  • Reliable Funding Capacity: External warehouse lines and internal resources ensure seamless home loan financing
  • Top Talent, Top Results: Our mission-driven culture attracts and retains the best, ensuring you and your clients receive exceptional service

Let’s Build Brighter Futures Together!

Connect with us today to get started.

Mike Iorio | Senior Vice President – Strategic Partnerships
925-997-8213 
builder@houseloan.com
1177 West Loop South, Suite 700
Houston, TX 77027