I come from a banking background, and Ive been party to more loans and mortgages and refinances than I care to admit, and I never expected the experience I had from Cornerstone, and specifically Justin Smith. Expecting long run-arounds, multiple hoops to jump through, and months of checks and rechecks, I was absolutely astonished when we were able to walk in one morning, provide all that had been asked for initially, and was approved without issues. Even the one or two minor paycheck updates, or rate locking conversation was pleasant, compared to what could have been. I will send my clients to Justin with confidence, and will be SURE to use Cornerstone in the future! Thank you, for making what could have been agonizing and stressful in the midst of moving, into something honest, straightforward, and simple! read more

The Bermejo team proved that they were unable to handle complicated financial situations or keep their facts straight... My husband explained our full financial situation up front to John which included the fact that he worked for family, was self employed and that the company was moving to employment of all staff in a month. John told us that those things weren't a problem, our income was sufficient and he could get us preapproved. A couple of weeks after applying, we were told we were preapproved and to go get a contract. We found a house and were ready to make an offer. Our real estate agent asked John for the preapproval letter and was told we weren't preapproved. (???) House #1 lost. After more paperwork and the finalizing of hubby's employment status we got an actual preapproval. We put an offer on another house, were accepted and began the loan process. Just 4 business days before closing Cornerstone informed us they couldn't qualify us due to insufficient income and claimed they didn't know my husband worked for family (???) They also had a problem with the move to employment and a raise my husband had recently received (the raise was also something they had been informed of BEFORE we ever made an offer on a house), saying these thing were too "inconsistent". House #2 lost. Although our situation was admittedly a complicated one, the bottom line is that the Bermejo team didn't package our loan correctly, causing us to loose the second house. They forgot important pieces of info that needed to be explained to underwriting. We were told by a new lender who took over the loan process that not one of the changes in our income, or the fact that my husband worked for family, should have been a problem. It all came down to presentation. Although there were people within this group who were wonderful to work with, overall I cannot recommend them. What a disappointing waste of time and money (the inspection and appraisal) this whole thing was. read more

Used the Humphries Team (now with Conerstone) 5 years ago when I bought my first home and they were great so I naturally contacted them again when I was ready to buy my second. They pulled my credit (which was great) Jason sent me an estimate of my mortgage, no info on fees (had to email for that) said he would call to go over everything and never heard back. I continued to follow up with questions regarding fees etc and he took a week and sometimes longer just to respond and when asked for their fees he gave me a "rough" estimate he said. Terrible! I gladly gave my business to someone else. read more

I have worked with Scott twice since my initial review. He has been great! He is friendly, fast, knowledgeable. I have recommended him to friends and will continue to do so. read more

Thank you Cornerstone for walking us through the process of purchasing our first home. A special thanks to Stephanie S. for encouraging us ! Thank you also Diane M. , Andrew S. and Steven D. and the rest of the group that helped us close almost 2 WEEKS early. It's great to know that there are quality organizations out there. read more

Kevin and Mary were amazing to work with. They got our loan approved and closed in under a months time. Also, they rate and fees I received from Cornerstone were much better that the other mortgage company I was working with. I had such a great experience with the "Francis Team" that I referred friend mine to Kevin and Mary! read more

Worked with Andrew Storteboom and he made our investment property refi quick and painless. Great job and I would highly recommend.

Absolutely miserable! They took 9 months made us take out a loan and then accomplished nothing.

Mortgage officer lied to us repeatedly. Loan took forever to close because of the loan officers incompetence. All these people care about is how much money they will make when they "sell" your loan to a different loan servicer, oftentimes drawing out the process unnecessarily to make sure your interest rate will be higher. Never again. read more

I am a first time home buyer and was referred to cornerstone by our real estate agent. We filled out the online inquiry on a Saturday afternoon and were called the following Sunday evening by Rhonda Wolffe. At first Rhonda was very accommodating, however as the process proceeded she became very overwhelming and would call numerous times a day at inconvenient times. My current work situation is very unique as I am a tax exempt private contractor. I had the facility I contract with write a letter stating pertinent information that Rhonda had asked for, sent her a copy of my contracts, pay stubs, etc. and Rhonda continued to question the validity of my occupation. I am 26 and I currently hold a credit score of 793, make north of $100k/year, and have $30k available for a down payment. I think I am more than qualified for a home loan and this was not taking into consideration my spouses income/credit score (both above average). When I made Rhonda aware that I no longer wanted to work with her due to her lack of respect for my time she became very rude. After about a week I called the office to request to work with a different lender and was apologized to. When the "new" lender called it was Rhonda again. She argued with me, then bragged that she's the top lender at her company, and eventually hung up on me! I will be taking my money elsewhere.. please be warned that unless you comply and don't ask questions you will be ridiculed and treated unfairly. Terrible customer service! read more