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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 December 13, 2025

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We don't just fund loans, we help families

No confusing paperwork or hidden fees — just a clear, step-by-step approach to home financing.

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What 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.

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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.

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Nancy Matos

Great experience
I call Joel for a refi I my property , Great experience, very informative about the process every step of the way I recommend him , Joel’s mom helped me buy my home back in 2000 and now it was so nice to have him do my refinancing. Thank you Joel great people.
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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.

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Alex Park

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