Cornerstone Team Members

Richard Fuller has the heart of the teacher and loves to educate his clients to meet their financing needs.

With over 20 years of lending experience, Richard knows the importance of a consultative approach when it comes to helping clients with their financing needs. He works closely with customers to understand their goals, and ensures they understand all of their options so they can find the mortgage program that’s right for them.

Richard takes great care of clients by offering personalized, attentive service and clear, transparent mortgage guidance. With his down-to-earth personality and sincere thoughtfulness, Richard is a welcome presence during the home-financing process for both customers and industry peers.

Growing up in Gunnison, Colorado Richard graduated from Western State College with a business degree and received his MBA from the University of Montana. Richard started his professional career with a local bank in 1997 and served as President of a major branch office with that bank for 14 years.

He transitioned to residential lending to better balance his commitments to his family at home with his family at work. In October 2014, he made Cornerstone Home Lending his professional home because the company’s mission aligned with his personal purpose: To make a positive difference in the lives of others.

When he’s not helping clients achieve their homeownership dreams, he spends time with his wife and daughter, Grace, exploring as much as possible.  Richard also enjoys outdoor activities including biking, fly fishing, camping, skiing, and snowboarding. He also explores his creative side with black and white photography.

He his dedicated to his local communities and has spent countless volunteer hours over the past 20 years with numerous non-profit organizations through the Carbondale and Roaring Fork area. 

Justin Smith knows that integrity is the foundation for any successful team. A former auctioneer, Justin first became interested in mortgage lending when a client of his owned a mortgage brokerage firm. After deciding to change professions, he has spent the last 10 years helping many clients purchase their own homes with quality, unmatched customer service.

A Kansas native, Justin relocated to Pagosa Springs, Colorado, in 1980 and then to Fort Collins in 1985. When he isn’t assisting clients, you can find Justin spending time with his wife and two daughters, golfing or skiing.