Building Brighter Futures Together
Strategic Lending Partnerships Built for Builders
Partner with us!
Why Partner with Cornerstone?
Expertise in Builder - Lender Partnerships
As a pioneer in builder-lender collaborations, we help you sell more homes and boost profitability.
- 100+ Builder Relationships Nationwide – across Joint Ventures and Preferred Lender relationships
- Builder Forward Commitments
- Industry-Leading Expertise in JV Compliance – ensuring compliant JV structure and operations
Stability & Longevity
We’ve led the lending industry for more than 37 years, and we’re just getting started!
- 500,000+ clients served since opening our doors in 1988
- Successfully navigated seven down cycles
- Nationwide lending in all 50 states without needing individual state licensing
Mission-Driven Culture & In-House Support
Partner with a lender committed to honesty and integrity, to ensure exceptional care for your customers.
- Dedicated to Making a Positive Impact - in our partners, clients, team member lives and communities we serve
- Focused on 5-Star Experiences - ensuring satisfaction at every touchpoint
- Experienced In-House Teams - our mortgage expertise allows you to focus on your core home building business
- Commitment to On-Time Closings and Higher Capture Rates - through our investment in loan origination technology, operational excellence, and diverse product offerings
The Benefits of a Partnership with Cornerstone
- Provide a smooth & seamless client experience
- Boost client satisfaction
- Extension & enhancement of your brand
- Greater visibility into & control of backlog
Cornerstone has Partnership Options for all Sizes:
Preferred Lender
- Dedicated mortgage lending & loan operations teams
- Premier Service
- On-Time Closings
Mortgage Broker Joint Venture
- JV ownership with reduced capital requirement
- Broker JV originates & processes the loans
- Cornerstone underwrites & funds the loans, taking the credit risk & loan default risk
Mortgage Banker Joint Venture
- Ownership in a Full-eagle HUD approved JV with loan origination, processing, underwriting, closing, funding & post-closing services
- Warehouse lines dedicated to the JV
- Integrate your processes into the JV
Builder Advisory Services
Cornerstone’s Advisory Team can provide Mortgage Expertise to Builder’s existing Mortgage Company in all aspects of loan origination, operations, compliance, technology, recruiting, KPI’s, post-closing, loan servicing, and insurance (to name a few).
Embrace Forward Commitments as Your Competitive Edge
Benefits of Forward Commitments
Advertise below market rates to drive interest to your communities & stand out from the competition
Maintain your asking sales price instead of offering
price reductions
Flexibility to offer additional closing cost credits
Increase the pool of qualified buyers by making financing more affordable
Forward Commitment Features
- The initial commitment minimum is only $1M
- Contracts from 60-270 days
- Float down feature available if markets improve
- Three different payment structures
- Buy upfront and Cornerstone Home Lending does the rest
- Pay a portion of the discount upfront and apply the balance on the CD as homes are sold
- Pay in installments
The Power of Builder Forward Commitments
Paying $27K for a Forward Commitment (or rate buydown strategy) is the equivalent of dropping the price $70K for the buyer to get the same payment.1
1Based on comparing a $70k price drop of a $500,000 purchase price at 6.50% v. spending $27k to buy down the interest rate to 4.99%. Actual rate, payment and costs may vary and are subject to change.
Cornerstone transforms mortgages into a powerful sales tool, elevating the customer experience and delivering record-breaking results.
— Shant Samtani, Executive Vice President, Esperanza Homes
Contact Us to Get Started
Cornerstone transforms mortgages into a powerful sales tool, elevating the customer experience and delivering record-breaking results.
— Shant Samtani, Executive Vice President, Esperanza Homes
Partner with a Lender You Can Trust
We’ve been partnering with builders for two decades, bringing a wealth of time-tested experience, financial stability, and unmatched in-house resources to our partners. With more than 100 builder relationships coast to coast and an industry-leading builder forward commitment program, Cornerstone is a premier choice among builders.
Balance Sheet Strength
With a “Tier One Capital Ratio” over 25% (three times more than the regulatory standard for financially-sound banks), you can feel confident in Cornerstone’s financial resilience to provide stability through any economic cycle for generations to come.
$351MM
consolidated equity capital
$2.4B
consolidated assets
$1.5B
deposits raised since 2022
As your lending partner, we can offer your clients access to more financial products, such as high-yield savings and money market accounts at competitive rates, many of which are among the highest found on BankRate.com.
Leading the Lending Industry
For Over 37 Years
Founded
in 1988
500,000+
families served
300+
loan products
20+ years
pioneering builder-lender partnerships
Nationwide
Nationwide lending in all 50 states without needing individual state licensing
100+
builder relationships
(JV, Preferred Lender)
Cornerstone provides these services in exchange for a reasonable, fair market value fee, considering the nature and volume of the services. Such arrangements do not require, are not payments for, and are not contingent in any way upon the referral of any goods or services offered by Cornerstone or the participating builder.
We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.