Promotions

Explore Olya Kjolso’s Current Promotions

With years of experience and a passion for helping individuals and families achieve their homeownership dreams, Olya is dedicated to guiding you through the mortgage process with ease and confidence.

Take advantage of these special offers and let Olya make your journey to homeownership a positive difference in your life!

Special Savings for Boeing Employees

Save up to $2,000 and apply the credit towards reducing your closing costs or buying down your rate for lower monthly payments.* Cornerstone offers a full range of loan programs designed to help you secure a home you’ll love!

  • Conventional: Low down payments starting at 3%.
  • FHA: Flexible financing with as little as 3.5% down.
  • VA: No money down for eligible veterans, active-duty military, reservists, and National Guard members.
  • USDA: Zero down payment for eligible rural and suburban buyers.
  • JUMBO: Financing for higher-value homes with just 10% down.
Airplane
Olya Kjolso

Olya Kjolso, NMLS 2551394
Loan Officer
Cornerstone Home Lending
Direct: 360.909.9909

Yana Pavlenko

Yana Pavlenko
REALTOR®
Legions Realty
Direct: 360.448.8323

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID# 2258. Member FDIC.
*Cornerstone Home Lending and Legions Realty will each contribute up to $1,000 for a combined credit of up to $2,000 towards closing costs or a rate buydown. The credit is applied at closing, will not exceed total closing costs, and may not be combined with other offers. Offer subject to change. To receive the credit, the borrower must be a Boeing employee and close with both Cornerstone Home Lending and Legions Realty. Not a commitment to lend. Borrower must meet qualification criteria.


Special Savings for Washington Teachers & Support Staff

As a thank you for all you do, we’re offering Washington education professionals an exclusive savings offer to help make homeownership easier and more affordable. This is available to Washington Teachers, Administrators, Accountants, and Support Staff.

  • Conventional: Down payments starting at just 3%.
  • FHA: As low as 3.5% down payment.
  • VA: No down payment for eligible veterans and active-duty service members.
  • USDA: No down payment for eligible buyers in designated rural/suburban areas.
  • HUD 184: Starting at 1.25% down for Native American and Alaska Native buyers.
  • Down Payment Assistance: Special programs for eligible first-time buyers.
  • Claim Your $2,000 Credit* Use the credit towards reducing your closing costs or buying down your rate for lower monthly payments.
Teachers Support
Olya Kjolso

Olya Kjolso, NMLS 2551394
Loan Officer
Cornerstone Home Lending
Direct: 360.909.9909

Christie Conley

Christie Conley
REALTOR®
Realty Works Group
Direct: 360.981.9905

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID# 2258. Member FDIC.
*Cornerstone Home Lending and Realty Works Group will each contribute up to $1,000 for a combined credit of up to $2,000 towards closing costs or a rate buydown. The credit is applied at closing, will not exceed total closing costs, and may not be combined with other offers. Offer subject to change. Borrower must close with both Cornerstone Home Lending and Realty Works Group to receive the credit. Not a commitment to lend. Borrower must meet qualification criteria.


Home Loan Savings For Local Heros

We are proud to serve those who serve our community. It's our privilege to help you get closer to your dream home! Mention this offer to your loan officer at the time of application to enjoy up to $2,000 off closing costs!*
Eligible Heros Include:

  • Police Officers
  • Nurses
  • EMT/AMR
  • 911 Dispatchers
  • Firefighters
First Responders
Olya Kjolso

Olya Kjolso, NMLS 2551394
Loan Officer
Cornerstone Home Lending
Direct: 360.909.9909

Elisha Jolma

Elisha Jolma
Real Estate Broker/Owner
Direct: 360.562.1313

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID# 2258. Member FDIC.
*Borrower can receive a lender credit of up to $1,000 provided by Cornerstone Home Lending and an agent-paid credit of up to $1,000 provided by The Handris Realty Company for a combined credit of up to $2,000 to be applied at closing. Borrower may receive a lower interest rate without the lender credit. Credits will not be more than the borrower’s total closing costs and cannot be combined with other offers, incentives, or promotions. Borrower must close their loan with Cornerstone Home Lending. The closing cost offer is subject to change without notice. Additional restrictions, requirements, and underwriting conditions apply. Speak with your loan officer for details. Not a commitment to lend. Borrower must meet qualification criteria.


Exclusive Savings for Beauty & Wellness Professionals

You’ve built a career helping clients feel their best every day. At Cornerstone and Legions Realty, we believe you deserve the same care and attention in your path to homeownership. That’s why we’re thrilled to offer beauty and wellness professionals up to $2,000 in savings and tailored mortgage solutions.

Use this special credit to reduce your closing costs or buy down your interest rate for lower monthly payments.*

  • Outside-the-Box Financing Explore home loan options designed for independent income earners like you.
  • Flexible Income Documentation Qualify using bank statements, 1099s, or CPA-certified profit & loss statements.
  • Personalized Guidance We take the time to understand your unique needs and are committed to making your homebuying experience smooth and stress-free.
Beauty & Wellness Professionals
Olya Kjolso

Olya Kjolso, NMLS 2551394
Loan Officer
Cornerstone Home Lending
Direct: 360.909.9909

Elisha Jolma

Elisha Jolma
Real Estate Broker/Owner
Direct: 360.562.1313

Yana Pavlenko

Yana Pavlenko
REALTOR®
Legions Realty
Direct: 360.448.8323

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID# 2258. Member FDIC.
*Cornerstone Home Lending and Legions Realty will each contribute up to $1,000 for a combined credit of up to $2,000 towards closing costs or a rate buydown. This promotion is available exclusively for beauty and wellness professionals who purchase a home in Washington or Oregon State and close with both Cornerstone Home Lending and Legions Realty. The credit will be applied at closing, will not exceed total closing costs, and may not be combined with other offers. Offer is subject to change. Not a commitment to lend. Borrower must meet qualification criteria. Information as of 1/16/2025.


New Down Payment Assistance for FHA & USDA Loans

Effortlessly ease into homeownership without saving up for a down payment! Get the funds you need now with our game-changing down payment program for FHA and USDA loans.
What makes this different from other down payment programs?

  • No first-time homebuyer requirement.
  • No income restrictions on FHA loans.
  • No minimum investment requirement.
  • No mandatory homebuyer education course.
  • You can even use it with a buydown to reduce your rate for the first 2 years or the full loan term!

More program benefits and highlights:

  • Reduces out-of-pocket costs, saving you more money for essentials and other expenses.
  • Assistance is in the form of a second loan issued with an FHA or a USDA first mortgage.
  • Allows the seller to contribute towards closing costs up to the FHA or USDA limit.
  • Good for purchasing a single-family home, condo, planned unit development, or double-wide manufactured home.*

Finance up to 100% of the purchase price with your choice of 2 options:

  • Forgivable second loan with 3.5% in assistance funds.**
  • Repayable second loan with 3.5% or 5% in assistance funds.***
Olya Kjolso

Olya Kjolso, NMLS 2551394
Loan Officer
Cornerstone Home Lending
Direct: 360.909.9909

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID# 2258. Member FDIC.
*Must be the buyer’s primary residence (one-to-two-unit property); minimum 680 credit score required for manufactured housing. **Forgivable option requires a mini-mum 620 credit score. ***Repayable option requires a minimum 660 credit score. Not all buyers with minimum credit scores may qualify. This informational material is not meant to be an exhaustive list of program requirements; additional conditions apply. Speak with your loan oXcer for details. Program is not available in New York. Not a commitment to lend. Borrower must meet qualification criteria.

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