Your Complete Product Platform
Built for Today’s Market + Tomorrow’s Opportunities
Support your clients with a wide range of solutions — from conventional and government options to jumbo, niche, renovation, and specialty products.
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What Sets Our Platform Apart
- Direct Seller/Servicer Advantage
- In-House Operations
- Variety of Products
- Builder & Realtor Partnerships
Specialty Programs
- Construction & Renovation Loans – From one-time close construction to FHA 203(k) and HomeStyle
- Fixer Upper Program – Streamlined renovation loan for services completed by Lowe's® or The Home Depot®**
- Bridge Loans – Short-term financing available when the current residence hasn't sold
- Down Payment Assistance – Grants and deferred/forgivable second liens
- Individual Taxpayer Identification Number (ITIN) Loans – For borrowers with ITINs instead of SSNs
- Portfolio ARMs – Flexible solutions offering customized terms for borrowers with unique finances
- Non-QM Loans – For gig workers, self-employed borrowers, and other borrowers who don't meet traditional guidelines
- Land Loans – Unlimited acreage with no time requirement to build on the land
- Home Equity Conversion Mortgage (HECM) – Equity solutions for homeowners aged 62+
- Debt Service Coverage (DSCR) Loan – Simplified qualification for investors, using rental instead of personal income
- Financing for Second Homes & Investment Properties
**The Fixer Upper Loan program is not sponsored, endorsed, or administered by, or associated with, Lowe’s® or The Home Depot®. Lowe’s® and The Home Depot® are the owners of their respective marks, logos, name, and image. †with eligible Affordable Seconds
More Programs to Help More People
With access to a wide range of investors, Cornerstone gives your clients more options.
Conventional
- Purchase, rate/term, cash-out, and Texas 50(a)(6) cash-out available
- Fixed-rate and adjustable-rate mortgages
- Up to 97% LTV and up to 105% CLTV†
- Options for borrowers with low or no credit scores
- Multiple mortgage insurance (MI) options with less than 20% down
- In-house renovation, postponed improvement, and construction-to-permanent options
VA
- Purchase or refinance up to 100% LTV with full entitlement
- Fixed-rate mortgages and adjustable-rate mortgages
- Minimum 580 credit score in some cases
FHA
- Purchase or refinance up to 96.5% LTV
- Fixed-rate mortgages and adjustable-rate mortgages
- Financing for one-to-four units
- Minimum 580 credit score, or as low as 500 with 10% down
- 203(k) renovation loans
USDA
- Purchase and refinance up to 100% LTV (one-unit only)
- Minimum 620 credit score
Jumbo
- Purchase and refinance up to 90% LTV
- Fixed-rate and adjustable-rate terms
- Loan amounts from conforming limit up to $4 million
- Primary residence, second home, investment property – One-to-four units
- Minimum 660 credit score
Unique Products
- Exclusive portfolio bank products
- Financing for borrowers with a past bankruptcy, foreclosure, or short sale
- Variety of ARM options – Up to 90% LTV
- Asset depletion – Liquid assets may be considered as qualifying income
Non-QM Products
- Self-employment history of 12 to 24 months
- 620 minimum credit score
- Up to 55% DTI
- Bank statements accepted as verification to support income calculation
- Unlimited non-owner-occupied properties allowed for investors
- Non-warrantable condo options
Contact us to learn more about these programs.
Your Selling Arsenal
- Mortgage Coach
- Product Matrix Tool
- Custom Affordability Calculators & Flyers
- Digital Pre-Qualification Solutions
- Marketing Assets Library
- Smart Refinance Alerts