Menu
Secure A Lower Interest Rate, Understand Your True Buying Power, and Set a Realistic Plan.
Gain a clear understanding of your financial standing and buying power through our comprehensive review of your financial situation.
Strengthen your offers on homes with a pre-approval letter obtained through our assistance, determining your purchasing power effectively.
This was our first time selling a home and second time buying. We had reservations about choosing a loan officer and realtor since we had a poor experience the first time with others. If I could only rate Cornerstone higher than 5 stars! From selling our first home to purchasing our second home in under a month with Joel crushing the loan process and getting us an awesome rate.
Maggie was very prompt when getting house tours and putting in offers. She is the best! We never felt pressured or uncomfortable. Maggie and Joel were always there to answer questions and share their knowledge. They make a perfect team and I definitely would recommend them to anyone. Thank you Maggie and Joel for being a part of our new chapter. May God bless you guys always!
Melissa Rodriguez
I couldn’t be more grateful for the exceptional service I received from my realtor Joel Rodriguez during the home loan process. Their dedication and persistence in securing the best possible interest rate for me were truly remarkable. Thanks to their expertise and commitment, I was able to secure my dream home at an incredible rate. I highly recommend their services to anyone looking for a top-notch realtor who goes above and beyond to make homeownership dreams a reality!
Luis Vaquera
Big banks make you feel like just another number, offering limited loan options and impersonal service. You want an expert who truly understands your needs and will go the extra mile for you.
Here’s how we can help
How We Helped Laura By Providing A Seamless Loan Process
My husband and I just purchased our first home, and we couldn’t have done it without Maggie and Joel. It’s a TOUGH market out there, but Maggie’s expertise got us a great deal on a house that we will love for many years to come.
Joel made the loan process easy and answered our many MANY questions with tons of knowledge and patience. You won’t find a more caring team or seamless process than Cornerstone REHL.
Laura Langfitt
How We Helped Vernica To Secure Her Loan Without Any Pressure 👇🏻
Thank you so very much for all of your help in securing our loan, I know it took longer than expected but it was all very worth it! You were organized & thorough & professional, as well as kind which made all of the difference in our interactions with you.
We put our trust in you and you most definitely came through for us. Thank you very much, as well as treating us as people rather than just home loan customers. You stand above the rest, Joel Rodriguez!!! Our hats off to you!!” Thank you again and I will be recommending you to all of our friends and family!
Vernica Mariscal
How We Helped Veronica And Keep Her Informed The Entire Process👇
Thank you Joel Rodriguez, for outstanding service!!! Our experience with Cornerstone Real Estate and Home Loans Inc. was truly positive. Joel and his staff are professional and efficient as well as friendly and family oriented.
Their constant communication to keep us informed of the entire loan process was very much appreciated. My husband and I are truly grateful for their excellent service and highly recommend them for any real estate and mortgage needs! Thank you again, Joel!!!
Veronica Arreguin
Cornerstone offers a wide range of mortgage loans, including conventional, FHA, VA, and jumbo loans. We also have specialty programs tailored for first-time buyers and specific needs to ensure you get the best loan option for your situation.
Qualifying for a mortgage with Cornerstone involves several key factors:
Credit Score:
Your credit score is a crucial factor in determining your mortgage eligibility. It reflects your creditworthiness and ability to repay loans. A higher credit score typically means better loan terms and lower interest rates. Cornerstone can help you understand your credit report and provide tips to improve your score if needed.
Income:
Your income plays a significant role in determining how much you can borrow. Lenders will review your employment history, current earnings, and the stability of your income. Providing consistent and verifiable income ensures you can comfortably afford your monthly mortgage payments.
Debt-to-Income Ratio (DTI):
The debt-to-income ratio is the percentage of your monthly income that goes toward paying debts. Lenders use this ratio to assess your ability to manage monthly payments and repay the mortgage. A lower DTI ratio indicates better financial health and increases your chances of mortgage approval. Cornerstone will help you calculate your DTI and advise on how to improve it if necessary.
Benefit of Getting Pre-Approved:
Getting pre-approved for a mortgage with Cornerstone has several advantages:
• Accurate Budgeting:
Pre-approval provides a clear picture of how much you can afford, helping you set a realistic budget for your home search.
• Stronger Offers:
A pre-approval letter shows sellers that you are a serious and qualified buyer, giving you a competitive edge in a competitive market.
• Faster Closing:
Pre-approval speeds up the mortgage process, as much of the paperwork is already completed, leading to a quicker and smoother closing.
• Peace of Mind:
Knowing your purchasing power and loan eligibility reduces stress and uncertainty, allowing you to focus on finding the perfect home.
Pre-qualification is an informal assessment of your financial situation, while pre-approval involves a more detailed evaluation, giving you a stronger position as a buyer and showing sellers you’re serious and financially capable.
Our personalized approach means we take the time to understand your unique situation, match you with the right loan, and guide you through the entire process. This ensures a smoother, more tailored home-buying experience.
You’ll need to provide proof of income, assets, and identification, among other documents. Cornerstone helps you gather everything required, making the application process straightforward and stress-free.
Closing on a home with Cornerstone typically takes between 30 to 45 days, though it can vary depending on the complexity of the loan and other factors. We strive to make the process as efficient as possible.
Absolutely! We have specific programs and resources to support first-time homebuyers, ensuring you feel comfortable and confident throughout the home-buying process.
Whether you’re buying, selling, applying a loan, refinancing, or renting out your property, we are committed to making your experience smooth and stress-free.
Follow Us
Contact:
543 Merchant Street, Vacaville, CA 95688
Operations@CornerstoneREHL.com
Phone: (707) 447-8120
Text: (707) 249-2167
FAX: (707) 447-8127
Mon – Fri : 8:00 AM – 8:00 PM
Copyright © 2024 Cornerstone Real Estate and Home Loans, Inc. All Rights Reserved.
DISCLAIMER: All loan approvals are conditional and subject to lender review of all information. Loan is conditionally approved when lender has issued approval in writing but not until all loan conditions have been submitted can loan be funded. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. Cornerstone Real Estate And Home Loans Inc. is an Equal Opportunity Mortgage Broker in California, This licensee is performing acts for which a real estate license is required. Cornerstone Real Estate And Home Loans Inc. is licensed by the California Bureau of Real Estate, Broker # 01493006; NMLS # 345575. Cornerstone Real Estate And Home Loans Inc. is approved to originate VA and FHA loans, and has the ability to broker such loans to VA and FHA approved lenders. Cornerstone Real Estate And Home Loans Inc is not acting on behalf of or at the direction of HUD/FHA or the VA.
