Building Brighter Futures Together

with Strategic Partnerships

Thank you for the unparalleled expertise we get from the team at Cornerstone Home Lending. We could not ask for a better lending partner.

— Scott Baughman/Premier Homes

Partner with a Lender You Can Trust

We’ve been partnering with builders for two decades, bringing a wealth of time-tested experience, financial stability, and unmatched in-house resources to our partners. With more than 100 builder relationships coast to coast and $1 billion in builder forward commitments funded last year, Cornerstone Home Lending is a premier choice among builders.

The Benefits of a Partnership with Cornerstone

  • Provide a smooth & seamless client experience
  • Boost client satisfaction
  • Extension & enhancement of your brand
  • Greater visibility into & control of backlog

Cornerstone has Partnership Options for all Sizes:

  • Dedicated mortgage lending & loan operations teams
  • Premier Service
  • On-Time Closings
  • JV ownership with reduced capital requirement
  • Broker JV originates & processes the loans
  • Cornerstone underwrites & funds the loans, taking the credit risk & loan default risk
  • Ownership in a Full-eagle HUD approved JV with loan origination, processing, underwriting, closing, funding & post-closing services
  • Warehouse lines dedicated to the JV
  • Integrate your processes into the JV

Cornerstone’s Advisory Team can provide Mortgage Expertise to Builder’s existing Mortgage Company in all aspects of loan origination, operations, compliance, technology, recruiting, KPI’s, post-closing, loan servicing, and insurance (to name a few).

Embrace Forward Commitments as Your Competitive Edge

Benefits of Forward Commitments

Advertise below market rates to drive interest to your communities & stand out from the competition

Maintain your asking sales price instead of offering
price reductions

Flexibility to offer additional closing cost credits

Increase the pool of qualified buyers by making financing more affordable

Forward Commitment Features

  • The initial commitment minimum is only $1M
  • Contracts from 60-270 days
  • Float down feature available if markets improve
  • Three different payment structures
    • Buy upfront and Cornerstone Home Lending does the rest
    • Pay a portion of the discount upfront and apply the balance on the CD as homes are sold
    • Pay in installments

Power of Builder Forward Commitments

Paying $27K for a Forward Commitment (or rate buy down strategy) is the equivalent of dropping the price $75K for buyer to get the same payment.1

1based on comparing a $75k price drop of a $500,000 purchase price at 7.125% v. spending $27k to buydown the interest rate to 5.50%. Actual rate, payment and costs may vary and are subject to change.

Why Partner with Cornerstone?

Expertise in the Builder Lending Space

As a pioneer in builder-lender partnerships, we can help you sell more homes for bigger profits.

  • 100+ builder partnerships nationwide (JV, Preferred Lender)
  • $1B builder forward commitments in 2023, $1.7B YTD 2024
  • Highly advanced in builder JV compliance

Stability & Longevity

We’ve led the lending industry for 36 years, and we’re just getting started!

  • 500,000+ clients served since opening our doors in 1988
  • Successfully navigated seven down cycles
  • Nationwide lending in 45 states and Washington, DC2

Our Vision, Convictions & People

Safeguard your reputation by partnering with a lender who lives and leads with honesty and integrity.

  • Dedicated to making a positive difference in the lives of others
  • Focused on delivering 5-star customer experiences
  • Unwavering commitment to on-time closings and increased capture rates

Seasoned In-House Corporate Teams

Protect and grow your business by leveraging our best-in-class support teams.

  • Fair lending/compliance guidance to avoid regulatory risks
  • Robust reporting and data analysis
  • Marketing and creative services

Balance Sheet Strength

With a “Tier One Capital Ratio” over 25% (three times more than the regulatory standard for financially-sound banks), you can feel confident in Cornerstone’s financial resilience to provide stability through any economic cycle for generations to come.

$349MM

consolidated equity capital

$2.1B

consolidated assets

$1.2B

deposits raised since October 2022

25%

Among the highest capitalized banks in the industry

As your lending partner, we can offer your clients access to more financial products, such as high-yield savings and money market accounts at competitive rates, many of which are among the highest found on BankRate.com.

Leading the Lending Industry

For 36 Years

Founded

in 1988

500,000+

families served

300+

loan products

20+ years

pioneering builder-lender partnerships

Nationwide

lending access in 45 states
+ Washington, DC2

100+

builder relationships
(JV, Preferred Lender)

Exceptional Client Services

We’ve built a reputation for exceptional client experiences. That means your homebuyers will feel right at home working with us!

5.0

3,301 reviews

Zillow

4.8

7,827 reviews

Google

4.9

5,313 reviews

Birdeye

2Lending services in Maryland are available from select loan production offices.

Cornerstone provides these services in exchange for a reasonable, fair market value fee, considering the nature and volume of the services. Such arrangements do not require, are not payments for, and are not contingent in any way upon the referral of any goods or services offered by Cornerstone or the participating builder

We honor God by using our talents to make a positive difference in the lives of our Team Members, Clients, Shareholders, Communities, and the People who provide services to us.

Let's build brighter futures together.

Contact Us to Get Started

[email protected]

Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. NMLS ID #2258. *Lending services in Maryland are available from select loan production offices.