Get a loan that feels right
With access to 30+ lenders and loan programs, we'll make sure you get the best rates and terms, so you can focus on finding the perfect place to call home.
Get a rate quoteNo impact on your credit score
Lock in a rate that makes sense
Mortgage rates change daily, but our commitment to getting you the best deal never does. View today’s competitive rates and lock in your future with confidence.
Rates as of November 16, 2025
See assumptionsWe don't just fund loans, we help families
Straightforward process
No confusing paperwork or hidden fees — just a clear, step-by-step approach to home financing.
Personalized loan solutions
We tailor your mortgage to fit your budget, lifestyle, and future goals.
Competitive rates & multiple lenders
We compare rates from 30+ lenders to get you the best deal possible.
Genuine service
From your first call to closing day and beyond, we treat you like family.
Take the clear path to homeownership
We believe in clarity and simplicity. Our 5-step process ensures you always know what’s next, with expert guidance every step of the way.
Pre-approval
We assess your finances and provide a pre-approval letter so you can shop with confidence.
Find your home
Work with your agent to find the perfect property within your budget.
Apply for your loan
Submit your documents and get the best loan option tailored to your needs.
Final approval & closing
We handle the details, ensuring everything is in order for a smooth closing.
Move in & celebrate
Keys in hand, home secured. Welcome to the next chapter of your life!
Know your numbers
It's easier to plan ahead with confidence when you know exactly where you stand.
Affordability calculator
Discover your borrowing potential for a new house.
Use affordability calculator
Leave guesswork behind
Curious about what you can afford? Get a personalized rate quote in minutes — no obligation, just real numbers.
Get a free quoteWhat people say about us
We are honored by the appreciation we receive from our clients and driven to provide exceptional service on a personal level.
They worked tirelessly behind the scenes to secure a great rate
I had the pleasure of working with Cornerstone Real Estate and Home Loans Inc. for my recent home purchase, and I couldn’t be more impressed with the level of service provided. From the very beginning, they took the time to thoroughly explain the entire mortgage process, making sure I understood all my options. They were patient, professional, and always available to answer any questions I had. What stood out the most was how committed they were to getting me the best possible deal. They worked tirelessly behind the scenes to secure a great rate and ensured that everything moved smoothly throughout the process.
Thivanka Fernandopulle
we felt comfortable and confident throughout the financing process.
Purchasing our first home was a significant milestone, and we are incredibly grateful to have had Maggie and Joel by our side every step of the way. Maggie was truly exceptional, always available, patient, and dedicated to helping us find the perfect home for our needs. She and her team were constantly looking out for our best interests, especially as we navigated the complexities of a probate sale. Their guidance, expertise, and support made a potentially stressful process feel smooth and manageable. Joel was equally amazing, working diligently to secure the best possible loan for us. He took the time to explain everything clearly and made sure we felt comfortable and confident throughout the financing process.
Nancy Matos
Great experience
sivhusky Carrillo
I can't say enough great things about the experience.
A few years ago, Cornerstone Real Estate and Home Loan helped me refinance my home, and I can’t say enough great things about the experience. From the very beginning, their team made me feel like part of the family. They took the time to walk me through each step of the process, patiently answering all my questions and making what could have been a stressful experience feel smooth and manageable. What stood out the most was their honesty, professionalism, and genuine care. I never felt like just another client—they treated me with respect and truly had my best interests in mind. It was an absolute pleasure working with them, and I would highly recommend Cornerstone to anyone looking to refinance or buy a home. They’re a team you can trust.
Alex Park
Loans that match your budget and goals
Conventional loan
Enjoy competitive rates and lower costs with a conventional loan — ideal for those with solid credit and steady income.
Reverse mortgages
A reverse mortgage gives homeowners 62 and older the ability to convert home equity into funds for retirement, all without monthly mortgage payments.
Construction Loan
A construction loan gives you the funds to turn blueprints into reality, with flexible draw schedules and tailored repayment terms.
Bridge Loan
Need to buy a new home before selling your current one? A bridge loan provides temporary financing so you can move forward without delay.
VA Loan
Part of the Veteran Affairs program, this loan is designed to honor your service. No down payment, no PMI, just competitive rates and flexible terms.
First-time Homebuyer Programs
Buying your first home? Get the guidance, support, and financing options you need to make homeownership a reality.
HELOC
A Home Equity Line of Credit (HELOC) lets you borrow as needed, giving you financial flexibility for home improvements, debt consolidation, or unexpected expenses.
USDA
Rural and suburban buyers enjoy affordable homeownership with no down payment, low interest rates, and flexible credit requirements.
FHA Loan
Perfect for first-time buyers and those with less-than-perfect credit, FHA loans make homeownership more accessible.
Jumbo
If you need a loan that exceeds conventional limits, a jumbo loan offers larger loan amounts with great rates and terms.
Frequently asked questions
What credit score do I need to qualify for a home loan?
Most loans require a credit score of at least 620, but FHA loans may allow scores as low as 580.
How much down payment do I need?
Down payments range from 0% (VA & USDA) to 3%-20%+ depending on the loan type. Assistance programs are available.
How long does the mortgage process take?
Typically 30-45 days, but we work to close as fast as possible.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate; pre-approval is a lender-verified step that strengthens your offer.
Are there hidden fees?
No. We provide full transparency so you know exactly what to expect.
Enjoy a loan experience that feels like home
No stress, no surprises — just genuine guidance and great rates to get you home.
Get a free quote