I come from a banking background, and Ive been party to more loans and mortgages and refinances…read morethan 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!

The Bermejo team proved that they were unable to handle complicated financial situations or keep…read moretheir 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.