Find a Loan Officer

Top Producer Clayton Laughlin offers trusted guidance to help homebuyers feel understood and comfortable at each step of the mortgage process. Before becoming a loan officer, he honed his exceptional customer service in the retail industry. As a graduate of the award-winning Xinnix program, Clayton offers an immediate understanding of today’s lending guidelines. His genuine thoughtfulness, passion to serve, and dedicated work ethic are key to creating a positive financing experience for each and every client.

Professional and knowledgeable, Clayton primarily serves the greater Texas Hill Country area including Austin and San Antonio. He is not only licensed to serve you in Texas, but also in Arizona, California, Colorado, Louisiana, New Mexico, North Carolina, Oklahoma, Pennsylvania, South Carolina, Tennessee, and Virginia. Clayton has also recently been honored with the coveted President’s Club Top Producer Award at Cornerstone Home Lending. Time and time again, his clients have shared outstanding reviews about his service, which highlight his respectfulness, responsiveness, and ability to make the mortgage process seem effortless.

Born and raised in Tyler, Texas, Clayton has lived in San Antonio since 2009. Outside of work, Clayton devotes as much time as possible to his wife and their one-year-old son.

Chris has helped countless families achieve homeownership and enjoys the personal side of her job. Troubleshooting is her forte and for each of her customers she is available to personally answer questions and provide sound guidance. She strives to offer a stress-free loan experience with competitive rates and quick underwriting turn times. Chris has an efficient and knowledgeable team to help with all of her clients' needs. Knowing that her team helped another family with their home financing needs is what drives her.

Chris is a native of Western Colorado. She has lived in the Delta, Colorado, area her entire life. Beginning her career in the mortgage industry with Wells Fargo in 1997, Chris achieved President’s Club/Leaders Club status for 16 years at the company. She has also been a member of the elite President’s Club at Cornerstone Home Lending for each of the eight years that she has been Mortgage Branch Manager of the Delta office. She has been an active member of local business clubs, area Chamber’s of Commerce, Booster Clubs and enjoys supporting her local communities.

When she is not working, Chris enjoys spending time with her family, including her husband and two adult children. She takes full advantage of the unique place she calls home by participating in various outdoor activities year round. She loves finding time to enjoy Western Colorado!

With his down-to-earth personality, customer-driven focus and extensive industry knowledge, Joseph Lombardo has all the right ingredients to be a trustworthy mortgage advisor. He guides clients through the entire mortgage process and ensures all of their concerns are thoroughly addressed.

"My goal is to provide a smooth, seamless and stress-free experience," says Joseph. "I am available to personally answer questions, and keep each client informed during every step of the financing transaction."

According to Joseph, choosing Cornerstone Home Lending as his professional home was easy. With Cornerstone's real time access to top national investors, Joseph offers clients competitive mortgage products. He can instantly compare home loan programs and select beneficial options based on his clients' individual needs; he is also available long after closing to monitor their equity positions and provide home-financing guidance.

A Washington State native, Joseph graduated from Seattle Pacific University. He's been around this industry for most of his life–with family ties initiating him into the rewarding world of real estate development and financing. His most treasured pastime is spending time with his wife and their two boys.

For first-class service and custom mortgage guidance, please contact Joseph Lombardo of Cornerstone Home Lending "Cornerstone's core philosophy matches perfectly with mine," Joseph shares. "We both exist to make a positive contribution to my clients' lives and to the lives of others through honest, caring service and sound mortgage advice."

Timothy Lombardo truly believes in the value of owning a home. A compassionate, outgoing and dedicated professional, Timothy understands how complex the mortgage process can be. He guides clients through each step of the transaction and proactively updates all parties involved on the loan status. Clients can also rely on him long after closing for trusted home-financing advice and up-to-date industry trends.

Timothy takes a hands-on, comprehensive approach to helping select his clients' home loan programs. "Mortgage loans should never be one size fits all," says Timothy. "I work closely with clients, making sure I fully understand their individual needs and future goals, and then recommend mortgage solutions to help them achieve those objectives."

According to Timothy, Cornerstone Home Lending's stellar customer service model and efficient loan systems were driving factors in his decision to the join the company. Via Cornerstone's real-time pricing engine, Timothy can instantly compare programs from the nation's top investor sources and select only beneficial mortgage solutions for his clients. Cornerstone also offers enhanced services to ensure a smooth, streamlined and on-time loan closing:

• Convenient and secure online prequalification
• In-house processing, underwriting, closing and funding
• Direct access to Fannie Mae, Freddie Mac and FHA/VA loan conduits

A third-generation homebuilder, Timothy built high-end homes for ten years before transitioning to residential mortgage lending. He and his wife are devoted parents to three girls, and they spend as much time as possible cheering their daughters on during their many gymnastics meets. Timothy also stays active training for and competing in triathlons.

At Cornerstone Home Lending, you will find motivated mortgage specialists like Timothy Lombardo who are focused solely on making a positive contribution to your life and the lives of others. For honest, caring service and professional home-financing guidance, please contact Timothy Lombardo at 206.396.5773 or [email protected].

A second-generation mortgage professional, Christian grew up watching his father strive to serve others through mortgage lending. Inspired by the positive impact he witnessed from a young age, he feels called to carry on the legacy, helping others achieve their dreams of homeownership. Hard working and reliable, Christian is a true team player, motivated by being a part of something bigger than himself. As Loan Coordinator, he closely collaborates with borrowers and teammates to facilitate a smooth and organized loan process.

Christian attended Azusa Pacific University, where he graduated with a degree in business management in 2021. He now resides in his hometown of Edmond, Washington. Outside of work, he enjoys working out, eating, spending time with his family, and all things basketball – Go Suns!

Senior Mortgage Loan Consultant and Mortgage Branch Manager Mike Lynch originally joined the home-financing industry in 1994 when he began refinancing homes for a mortgage broker. While it piqued his interest in the business, it wasn't until he started originating home loans for a mortgage banker in 1997 that he found his niche. He discovered a passion for getting a deserving family into the home of their dreams, and he finds helping a past client to save money with a refinance equally satisfying. It wasn't long before he was offered a Sales Management position with a national bank. Since transitioning to a leadership role, he has made it his goal to see that each client that finances with his group feels they received the superior customer service they deserve.

Mike ensures that every issue encountered is addressed and that his clients are always kept up-to-date. A top originator for every company he's worked for since 1998, Mike maintains that level of success at Cornerstone Home Lending by continuing to provide personalized service to each customer that best serves their individual home financing needs and goals.

Born and raised in San Diego, Mike graduated from Loyola Marymount University in Los Angeles, where he earned a bachelor's degree in business management with a minor in communications. He and his wife Robin have two daughters and a son, and they love being involved in each of their endeavors. As a family, they enjoy water skiing and snow skiing, and they like to vacation and spend time with their friends.

Leslie Magodoro is a Senior Loan Consultant recognized for his high energy level and attention to customer service. With over 20 years' experience with the HLC Team, he attributes his success to learning from one of the most successful mortgage bankers in the nation.

From purchasing a new home and financing home improvements to obtaining lower rates or shorter terms through refinancing, Leslie is committed to exceeding expectations by helping customers find the right loan for their needs and staying with them through every step of the home loan process. He has made accessibility his promise and integrity his trademark.

Leslie's genuine interest and enthusiasm in supporting clients through the mortgage experience has earned him a loyal client base. A self-proclaimed "people pleaser," he devotes time to getting to know the needs of the families that he works with so that he can identify the right loan options. He is specially trained with the Todd Duncan Consultant Mastery Series and in CalHFA, NHF, FHA, USDA and Reverse Mortgages, so he can offer a broad perspective and identify sound options.

Outside of work Leslie volunteers as a mentor for the Sunburst Youth Challenge Academy, a program that provides a second chance to young people struggling in school. He's also an avid traveler and often ventures to Europe to visit with friends.

Born and raised in the community of Santa Barbara which she now serves, Kelly is committed to helping her clients navigate the most complex financial transaction, a home mortgage. Kelly believes clients are clients for life and continues to nurture relationships beyond the closing of the loan. Her clients are referred from a network of local businesses, including financial planners, accountants, real estate agents, and satisfied past clients. Kelly strongly believes in the power of clear communication with clients and with this has developed her own system to originate a loan from start to finish.

Kelly has more than 25 years of experience in the mortgage industry. Kelly has been recognized annually by Scotsman Guide for Most Closed Loans, Top Purchase and Refinance Volume, and Top Dollar Volume. Her industry experience and vast knowledge has been featured in the Santa Barbara News-Press, Santa Barbara Independent, the trade journal Origination News, and other publications. Additionally, Kelly regularly facilitates seminars for real estate professionals.

Kelly leads a team of highly skilled and experienced support staff and loan originators. Kelly meets weekly with her team to thoroughly review their current pipeline and to improve and streamline their systems. The systems Kelly has implemented in her business have led to some of the best and brightest to come work with Kelly. She believes anything is possible with the right people on her team.

Arshia offers first-class lending solutions to meet a variety of needs – from first-time home purchases and refinances to real estate investments. Backed by an in-house operations team, he personally manages the loan transaction from start to finish.

With his clear guidance and proactive updates, customers know all their options and exactly where they are in the process. Plus, Arshia stays up-to-date on the latest loan programs and offers immediate insight into today’s mortgage market.

Since joining the industry in 2013, Arshia has grown a thriving career focused on integrity, stellar service, and honest hard work. He offers extensive experience in financial services, insurance, branch management, and loan origination. Working alongside his brother, Aryan, he helped develop a high-production residential lending team that funded $75 million in their second year. Arshia has also worked closely with real estate agents to grow their marketing exposure and build more business.

Born and raised in Salt Lake City, Utah, Arshia currently lives in Culver City. When he’s not in the office, you’ll often find him at the gym and at competitive bodybuilding events. Arshia is also devoted to his wonderful family and friends.

After working as a corporate pilot and successfully managing an aviation business, Aryan accidentally fell into the mortgage industry in 2013. He had a number of clients in the mortgage industry which piqued his fascination with working in the financial sector. The right opportunity presented itself and he packed up his home in Utah and moved to Los Angeles. He worked on a high production team with his brother for 2 years until he was provided the opportunity to open his own branch in Santa Monica. He discovered his passion lies in wealth creation and growth for his clients; with the ultimate focus of guiding families on the path to homeownership. He strives to help families learn how to use it as a tool towards achieving financial independence. This focus has allowed him and his brother to provide the maximum value possible for their clients in the highly competitive Los Angeles market. He is grateful to be able to work in a profession that allows him to serve the community along with spend his workdays with his wife and brother.

Outside of work, his passions are aerobatic flying, surfing, music, classic cars, and spending time with his family.

John Mayhue has been in mortgage lending for 17+ years and was born into the Real Estate business! He is a life-long resident to the state of Oklahoma. He is a husband and father. He comes from knowledge in all areas of the mortgage industry and is proficient in all loan products we have available; especially the VA loan! He holds a degree in Business Finance and Speech Communication, a long time Rotarian, an Eagle Scout, active in multiple Chamber of Commerce as well as multiple Board of Realtors all around the state, philanthropist in so many areas, avid real estate investor all across Oklahoma, and involved in church.

Make sure you are with the right team! Let John and his team help you create the dreams of home ownership today! Call or text John directly today on his personal cell at 405-808-4412!

After more than 30 years in the mortgage industry, Karen Monroe is both practiced in and passionate about helping people become homeowners. Her ultimate goal is to be her customers’ lender for life. She is fully invested in building lasting relationships, and has worked with customers and their referrals again and again over the years.

Karen started as a loan processor the week after her wedding in 1982, and served for 9 years in that role. Her wholehearted belief in the value of homeownership and her personal mission of helping others inspired her to become a loan officer in 1999.

Karen’s hands-on approach, attentive and caring service, and common-sense guidance are just some of the reasons both clients and industry peers are enthusiastic fans. She works closely with each customer to understand their financing goals and to recommend a mortgage plan that meets their short- and long-term needs. Plus, she’s accessible to her clients, staying in consistent contact during their financing transactions and long after to offer ongoing mortgage advice and trusted support.

The 15th of 17 children, Karen was born in Omaha and spent most of her childhood in Puerto Rico where her father was stationed. She relocated to Colorado in 1974 and has lived in the state ever since. In her spare time, she stays fit with weightlifting, kickboxing, karate, P90X, and Tae Bo. She also enjoys boating and relaxing on the beach. Karen’s favorite pastime, however, is family time; she delights in spending time with her husband and their two children.

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Guided by a heart for service and backed by an amazing team, Ryan Niles offers more than 15 years of experience in mortgage lending. "My team and I share a fierce passion for taking great care of our clients and making the mortgage process as seamless as possible," Ryan says. "Home lending is our platform to positively transform lives and fulfill long-term goals through responsible homeownership."

Whether helping a client buy their first home, improve their home loan savings, or leverage their equity, Ryan offers comprehensive planning and education. He applies the knowledge he's gained over the years to find creative financing options that fit his customers' unique needs. Ryan and his team collaborate closely to bring value and exceptional service to each client's transaction. They work when real estate happens, not just during the traditional 9 AM to 5 PM business day. The Niles Team also works in their clients' interests. They offer transparency and trusted insight so customers can make confident, well-informed mortgage decisions.

An honors graduate from the University of Washington, Ryan holds a business administration degree with a concentration in finance and marketing. He has lived in the Seattle area since 1999 and enjoys its rich culinary, arts, and culture scene. An avid sports fan, he is passionate about the UW football and basketball teams as well as our Seahawks. Traveling, hiking the Pacific Northwest, golfing, wine tasting, running, and spending time with his superhero wife Kami, newborn son Grayson, and dog Charlie round out his other activities outside of work. Currently living in Bainbridge Island and running the Cornerstone office here, Ryan's absolute favorite pastime is family time and helping his amazing clients.