Cornerstone Home Lending · Bank
Cornerstone Home Lending
Review published mortgage options and requirements, then request a personalized quote from the lender.
Key borrower, credit, property-use and reserve requirements have not been verified for this selection.
Availability: Cornerstone Home Lending is a division of Cornerstone Capital Bank, SSB. The official Prequalify route starts with selecting a loan officer. State filters and office locations are not complete program coverage; the licensing page lists a Maryland lender license and Minnesota/Nevada exemptions without a complete lending-state list. Confirm eligibility and availability for the chosen property and program.
Our take: Pros & Cons
What we like
- The official conventional program page lists conforming loans with down payments as low as 3%, subject to underwriting and PMI.
- Jumbo conventional loans are listed with down payments as low as 10%; guidelines and documentation can be more restrictive.
- The conventional program page allows down-payment and closing-cost gifts from a family member.
What to consider
- Conventional mortgages with less than 20% down require private mortgage insurance under the published conventional description.
- Credit affects jumbo eligibility, additional documentation may be required and most jumbo loans require manual underwriting.
- The loan-officer page’s undated $850,000 conforming/jumbo boundary is not verified as a current conforming limit; confirm the applicable limit with the lender.
AI-generated lender-level assessment based on published information. Not a verified assessment of Conforming conventional loans; confirm program-specific conditions below.
Additional lender considerations
- Official loan officers can review program terms and application requirements.
- Occupancy-specific minimums, numeric credit-score requirements, SSN/ITIN, visa, foreign-credit and foreign-income eligibility are not stated.
- No relevant numeric advertised mortgage rate was found on the reviewed official product pages; request current rates, APR, points and a Loan Estimate.
Newcomer requirements
Conforming conventional loans
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum down payment
- 3%
View full lender requirements
- Minimum down payment
- 3%
- Other conditions
- Private mortgage insurance is required below 20% down. No mortgage insurance is required with 20% or more down; ask the lender about PMI removal. Credit need not be pulled for a disclaiming spouse under the published conventional comparison. Family gifts may fund down payment and closing costs.
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
Conforming conventional loans
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
Conforming conventional loans
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional home financing from Cornerstone Home Lending, a division of Cornerstone Capital Bank, SSB, including conforming and jumbo options with program-specific underwriting.
Legal lender: Cornerstone Capital Bank, SSB
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 2258
More lender directory information
Direct application information ↗
Cornerstone Home Lending is a division of Cornerstone Capital Bank, SSB. The official Prequalify route starts with selecting a loan officer. State filters and office locations are not complete program coverage; the licensing page lists a Maryland lender license and Minnesota/Nevada exemptions without a complete lending-state list. Confirm eligibility and availability for the chosen property and program.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.