Erna Hay
NMLS 208571
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    Lender of the Year

    Erna Hay is Lender of the Year and Loan Officer of the Year 2008

    Erna Hay received the “Lender of the Year” and “Loan Officer of the Year” awards from The Texas Department of Housing and Community Affairs (TDHCA) for her involvement in and support of TDHCA’s Texas First Time Homebuyer Program. TDHCA is the state agency responsible for affordable housing, community and energy assistance programs.

    Ms. Hay, working with Cornerstone Home Lending's Houston office (Sugar Land branch), originated and closed 54 loans last year under the Department’s homebuyer program. She has considerable experience working with first time homebuyers, buyers who often require more time and attention.

    Michael Gerber, TDHCA Executive Director, said, “Each year, TDHCA helps put about 2,500 low to moderate income families in a home of their own, and we could not achieve this without the enthusiastic participation of our lender partners. These companies represent the very best of our lender relationships, and we look forward to continued success in helping more households realize their dream of homeownership.”

    The state-sponsored Texas First Time Homebuyer program offers qualifying households the ability to purchase a home with mortgage rates typically unmatched anywhere in the state, bringing homeownership within reach for many Texas families. Loans are available through a network of approximately 60 lending institutions that feature more than 450 branch offices across the state.

    “These are safe, conventional mortgages that families are using to achieve their ‘American Dream,’” Gerber added. “We do not promote or offer any exotic or adjustable-rate mortgages. Our lenders and underwriters conservatively evaluate each mortgage to help families know they are truly ready for homeownership.”

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