Join the Team

The Cornerstone Home Lending workplace is full of dedicated and satisfied long-term team members. With our time-tested strategy of relationship-driven, high-trust customer service, our company attracts first-class professionals looking to take their business to the next level.

Positively Life Changing

Cornerstone Home Lending has assisted families with more than 500,000 home-financing transactions since our inception in 1988. Over the past 36 years, we have strategically positioned ourselves for steady, sustainable growth without losing sight of our mission: To make a positive difference in the lives of others.

In October 2022, Cornerstone acquired and merged with The Roscoe State Bank, the oldest bank in Nolan County, Texas with roots dating back to 1906, to create Cornerstone Capital Bank. The institutional banking division offers deposit and lending services to community banks across the country. Through our continued expansion, our mortgage team can now originate loans in 45 states and Washington, D.C. Cornerstone can also provide full-service, in-house loan servicing operations.

Adding banking and loan servicing platforms to our growing residential lending services empowers our loan officers to make a lasting impact in their clients’ and partners’ lives long after closing.

Our mission

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.

Our vision

The Cornerstone Family is a caring, client-centric, diversified, and high-performing financial services company built to provide stability through any economic cycle for generations to come. We operate from a place of peace with discipline.

We succeed as a Team by earning the trust of Clients, exceeding their expectations, and earning referrals to serve even more Clients.

Our entrepreneurial spirit, refreshing culture, efficient processes, total Team Member engagement, and outstanding leadership teams propel Cornerstone’s sustained success and profitable growth.

We are growers who create a fulfilling workplace that attracts, develops, and retains the highest quality talent.

We support our Team Members’ professional and personal growth through training, consistent communication, empowerment, and guidance.

We help our Team Members build individual legacies of service and kindness that will have a lifelong impact on millions of people.

Together, our Team Members strive to build a remarkable company with a reputation that inspires prospective Team Members and Clients to seek us out to become their preferred workplace and financial services provider.

With hard work, a caring heart for service, continuous improvement, and a passionate commitment to excellence, our Team Members collectively focus every day on achieving something extraordinary: the joy and excitement of building the industry’s best company in terms of Team Member satisfaction, Client satisfaction, performance, regulatory excellence, and reputation among our peers.

We live and lead with honesty and integrity.

We respect and care for our people.

We go all-out because we are all-in.

We are wise stewards.

Happy people do amazing things

Level Up LO Live Sales Summit 2024 Hotel ZaZa | Houston, Texas

Recognized at the top because of our all-in team

We create a happy workplace that inspires team members, drives production, and builds lasting legacies.

2023 Houston Business Journal:

Best Family Owned Business Award (Cornerstone Capital Bank)

Best Workplaces™ In Financial Services & Insurance
2018, 2019, 2020, 2021, 2022, 2023

Best Workplaces™ for Women
2018, 2019, 2020, 2021, 2022

Best Workplaces™ for Millennials
2021, 2022

Best Workplaces™ In Texas
2019, 2021, 2022, 2023

A Top Workplace in Major Metros

Since 2010

Top Workplaces™ The Denver Post

Top Workplaces™ Houston Chronicle

Top Workplaces™ The Oklahoman

Top Workplaces™ San Antonio Express-News

Top Workplaces™ Austin American-Statesman

Top Workplaces™ Dallas/Fort Worth Metro Area

Powered by a passion for excellence

The Proof is in the Numbers

Proven management teams have successfully navigated the business through various economic cycles since 1988
1,500+ Team Members who are passionately committed to our Mission, Vision, and Convictions
253 Loan Originators
Registered in 45 states plus Washington, DC*
More than 50 investor sources with over 300 available loan products
Substantial net worth and liquidity, with ample access to internal and third-party warehouse lines for seamless loan funding
40% of Cornerstone Loan Officers are on pace to produce at least $30MM in 2024
Fully in-house loan servicing division with the goal of serving our clients for the life of their loan

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

More Support, More Growth

Gain more support from our reliable in-house teams

There’s no better example of synergy than in our day-to-day operations. Because our Loan Officers enjoy the very best support ratios in the industry, you’ll be able to offer your clients unmatched attention, availability, and efficiency.

5.7 team members for every 1 Loan Officer

1 underwriter for every 2.8 Loan Officers

1 processor for every 2 Loan Officers

1 closer for every 6 Loan Officers

Humbled to be a Glassdoor Top 10 U.S. Company for Work-Life Balance*

Why humbled?

Because it’s our team members who inspire our positive and supportive culture. Based on our team members’ reviews, Glassdoor ranked Cornerstone among the best companies nationwide for work-life balance. Our team members know they’re at their best when they take care of their personal lives first. Seeing our team recognized for their commitment to themselves and their service to clients and partners makes us happy!

*Source: CNBC.com – The 10 best U.S. companies for work-life balance, according to Glassdoor (Oct. 20, 2022).

More Support from Day One

While you focus on your business, we focus on you.

Efficient Onboarding Get to Production Faster

When you join Cornerstone, we make sure your transition is quick and seamless so you can start producing right away.

Targeted Training: Your time is valuable. That's why you'll complete only the essential training you need to excel and start hitting your sales goals.

Lightning-Fast Licensing: Our licensing team works quickly to transfer and activate your credentials at the earliest possible second.

Speedy Start-Up Marketing: From business cards and announcements to a personalized website, our onboarding team equips you with everything you need to engage with clients and partners right away.

In-house Operations Keeping Every Step Close to Home

Our streamlined in-house operations removes barriers you might find with other lenders, giving you confidence that every transaction is managed with care, from start to finish.

Direct Access: Working directly with MI providers, title companies, and insurance agents, our in-house ops teams ensure efficient transactions and on-time closings.

All-In Support: Our in-house teams—from processing and underwriting to closing, funding, and loan servicing—embody a "whatever-it-takes" attitude. We're committed to making sure both you and your clients enjoy exceptional service at every step.

Expert Support Elevating Your Success

Cornerstone's in-house industry leaders are dedicated to helping your business thrive.

Product Innovation: Our secondary marketing team consistently adds new loan products to our broad range of affordable, niche, and proprietary solutions. Meet the needs of more clients with an ever-expanding mortgage menu including:

Streamlined Renovation
Disaster Relief
Manufactured Housing
Condos
Builder Programs
And more!

Premium Marketing Support: Our marketing team can help you amplify the value you bring to clients and partners. With our creative services, advanced sales tools, and business development resources, you have everything needed to engage, grow, and build lasting connections—all under one roof.

Joint Ventures: We love working with producers who are ready to give it their all. Leverage our expertise as the top JV mortgage lender to achieve success and unlock new opportunities in this rewarding space.

In-House Servicing = Total Client Care

We’ve built an elite team of loan servicing professionals and invested in Black Knight’s tech platform to create an even happier mortgage experience beyond the closing table. You can now offer clients full ownership and daily control of the entire servicing process – from loan onboarding to payoff.

Loanfly^©

The Better Way to Mortgage

LoanFly^© Suite: Powering Efficiency for Originators

Our comprehensive, end-to-end digital mortgage solution streamlines the entire loan process for borrowers, loan officers, and ops teams. Integrated tools connect you and team members to our proprietary Loan Origination System (LOS), enabling you to manage more loans with less effort and create seamless client experiences.

LoanFly^© App: Kickstart the Process

With our free app, your clients can instantly start the loan process on their favorite iOS or Android device. And as their loan officer, you'll love the convenience LoanFly© brings to your workflow.

Prequalification in Minutes: Plus, credit scores are sent directly to the client's inbox
Streamlined Paperwork: Quick access to Borrower Portal for documentation uploads and loan status updates, reducing back-and-forth communication
Quick Insights: Clients can access real-time payment calculators at their fingertips

LoanFly^© Borrower Portal: Total Transparency

Clients can enjoy secure, 24/7 access to real-time loan updates, minimizing the need for manual support and enhancing efficiency during the loan process.

Client Empowerment: Clients have control of their mortgage transaction, reducing confusion and improving their experience
Instant Uploads: Clients can securely upload documentation, giving them one place to track paperwork and minimizing requests for documents
Close Quicker: Boost your capacity to close loans in 10 days with less effort, fewer paper chases, and more speed

LoanFly^© LO Portal: Instant Pipeline Management

Check your pipeline anytime, anywhere—with real-time access to client information.

Seamless collaboration: Eliminate duplicate tasks and share borrower documents with team members involved in your client's loan process.
Direct Communication: Respond quicker to client needs with instant access to prequalification letters, uploaded documentation, and more.
Synchronized View: LO Portal can mirror the client's Borrower Portal, allowing you and your team to address questions and concerns efficiently.

Out-Close the Competition

On time. Every. Single. Time.

Our signature programs can make you stand out in the market while ensuring your clients enjoy a seamless home-financing journey.

15-Minute Prequalification: Clients can begin their loan process in just minutes, with instant sync to our LOS for a seamless transition. This fast start streamlines the process, helping you move quickly to personalized mortgage options.
Early Bird Approval: With advanced underwriting approval, your clients gain cash-buying power, giving them an edge in negotiations.
10-Day Ready: Our company-wide initiative to take a loan from application to approval in 10 days. Our priority is to make EVERY LOAN ready to close in 10 days.
Lock, Shop, and Go: Clients can lock their rates for 90 or 120 days without a purchase contract, providing peace of mind as they shop. Plus, they can take advantage of a float-down option if rates drop before 30 days before closing.
Extended Rate Locks: Perfect for new-build clients, our extended rate locks protect rates for up to 360 days, ensuring stability and security during the construction phase.
LoanFly^© Express Closing: With our expedited process, your clients and partners can complete closing in 15 minutes, leaving more time for what matters most and creating a memorable closing day experience.

get to know

Arshia Mashayekhi
NMLS# 1136131
The Brothers M Team
Top Producing Loan Officer | Santa Monica, California

More
Programs

To Help
More People

With access to a wide range of investors, Cornerstone gives your clients more options.

Conventional

Purchase, rate/term, cash-out, and Texas 50(a)(6) cash-out available
Fixed-rate and adjustable-rate mortgages
Up to 97% LTV and up to 105% CLTV
Options for borrowers with low or no credit scores
Multiple mortgage insurance (MI) options with less than 20% down
In-house renovation, postponed improvement, and construction-topermanent options

VA

Purchase or refinance up to 100% LTV
Fixed-rate mortgages and adjustable-rate mortgages
Minimum 580 FICO® credit score in some cases

FHA

Purchase or refinance up to 96.5% LTV
Fixed-rate mortgages and adjustable-rate mortgages
Financing for one-to-four units
Minimum 500 FICO® credit score in some cases
203(k) renovation loans

USDA

Purchase and refinance up to 100% LTV (one-unit only)
Minimum 620 FICO® credit score

Jumbo

Purchase and refinance up to 90% LTV
Fixed-rate and adjustable-rate terms
Loan amounts from conforming limit up to $4 million
Primary residence, second home, investment property – One-to-four units
Minimum 660 FICO® credit score
Variety of ARM options – Up to 85% LTV

Unique Products

Exclusive portfolio bank products
Financing for borrowers with a past bankruptcy, foreclosure, or short sale
Variety of ARM options – Up to 85% LTV
Asset depletion – Liquid assets may be considered as qualifying income

ALT A Products

Self-employment history of 12 to 24 months
620 minimum FICO® credit score
Up to 55% DTI
Bank statements accepted as verification to support income calculation
Unlimited non-owner-occupied properties allowed for investors
Non-warrantable condo options (including recreational leases for up to $100,000 loan amounts)

Specialty Programs

Construction & Renovation Loans – From one-time close construction to FHA 203(k) and HomeStyle
Fixer Upper Program – Streamlined renovation loan for services completed by Lowe's® or The Home Depot®**
Bridge Loans – Short-term financing available when the current residence hasn't sold
Down Payment Assistance – Grants and deferred/forgivable second liens
Doctor Loans – Up to 97% LTV with MI required
Individual Taxpayer Identification Number (ITIN) Loans – For borrowers with ITINs instead of SSNs
Portfolio ARMs – Flexible solutions offering customized terms for borrowers with unique finances
Non-QM Loans – For gig workers, self-employed borrowers, and other borrowers who don't meet traditional guidelines
Land Loans – Unlimited acreage with no time requirement to build on the land
Home Equity Conversion Mortgage (HECM) – Equity solutions for homeowners aged 62+
Debt Service Coverage (DSCR) Loan – Simplified qualification for investors, using rental instead of personal income
Financing for Second Homes & Investment Properties

**The Fixer Upper Loan program is not sponsored, endorsed, or administered by, or associated with, Lowe’s® or The Home Depot®. Lowe’s® and The Home Depot® are the owners of their respective marks, logos, name, and image.

Top Producer Trip 2024 Four Seasons Resort Palm Beach

Unlock Unlimited Sales Potential

Backed By Our Award-Winning Marketing Team

Focus on building lasting relationships with clients and partners—not stressing about your marketing.

Our in-house marketing department exists solely to support loan officers, so you won’t have to rely on third-party resources or settle for generic, cookie-cutter collateral. By partnering with our in-house marketing experts, you’ll have access to industry-leading tools, compelling campaigns, and a full spectrum of creative services.

Marketing Services

Social Media & Digital Marketing
Sales & Marketing Tech Tools
Business Development Resources
Creative Services & Content Library
Events & Promotions
CRM Campaigns

Print Media

Social Media

Web Design

Event support

Email Campaigns

Video

Blitz Campaigns

Promotional Items

Matt joined Cornerstone because he knew he’d get support to boost his volume.

Our in-house operations don’t benefit just your clients; they benefit your bottom line.

Meet Matt

Matt’s Goal: Gain The Freedom To Grow A Business

“Cornerstone knows how to build a team around a loan officer, allowing me to spend my time where it counts the most. A lot of times, this looks like chatting with referral partners so I can bring in more business. Cornerstone’s exceptional support takes clerical tasks off the table.”

Matt's Solution:

Leverage Support To Get Busy In A More Productive Way

Matt says, “Once a loan is locked, I don’t have to touch a file again — unless there’s some kind of pressing issue, which is rare. Cornerstone’s Ops takes over completely. They have all procedures in place to move a borrower’s loan along quickly, to close on time and meet our company’s goal of 10 days. I’ve had zero problems.”

Working at Cornerstone is different. More free time and flexibility lets him better serve clients and take on more business at the same time. This support is invaluable, and in his first year, Matt’s volume increased by 71.5%.

Cornerstone loan officers

produce 282% more volume

than the industry average*

*Source: www.modexconnect.com

A Top Lender on Glassdoor

Our team members love working here! But don’t just take our word for it – here’s what they have to say.

For 35 years, Cornerstone has employed a servant leadership approach toward its team members. The company views its role as one of support for an entrepreneurial sale force and capable operations staff. The resulting culture is that all are aiming at the same goal—creating a positive outcome and client experience for families engaged in obtaining a home mortgage.

on Glassdoor | Regional Sales Manager

Leadership is committed to excellent sales support, training & empowerment. Set yourself apart with unique products and top notch processes and trust that you'll be able to close on time, every time. Work with colleagues and executives that believe that the employee, client, and company all need to win in order to find success. I've been at Cornerstone 15+ years, and I'm looking forward to the next 15!

on Glassdoor | Producing Branch Manager

Cornerstone provides a unique culture to our team members. We are one family helping people achieve the American Dream of home ownership. The Executive Committee/Leadership of Cornerstone is always striving to be the best in service, mortgage lending, technology, and culture. There aren't really any cons to Cornerstone. Cornerstone has continued to lead in a lot of areas.

on Glassdoor | Loan Officer

I’ve been at Cornerstone Home Lending one year. The people at all levels are first class. The team atmosphere is second to none. The systems set in place really add the level of excellence each client receives. Cornerstone is a wonderful place to excel and grow in your career path.

on Glassdoor | Mortgage Advisor

I have begun my 10th year with Cornerstone. During this time, we have experienced market extremes. No matter what type of market we are in, the Cornerstone Culture remains consistent. Great Leadership and everyone is treated with respect. It is great to work for a company that honors our commitments!

on Glassdoor | Mortgage Loan Officer

Working with like-minded people who care about each other and those we serve is important to me. Cornerstone exemplifies this mindset day in and day out. Humans aren't perfect and neither is Cornerstone. However, the leadership is forward thinking, they embrace challenges with grace, and most important, they do the right thing even when it's not the popular thing.

on Glassdoor | Sales Manager

Source: www.glassdoor.com/Reviews/Cornerstone-Capital-Bank-Reviews-E722360.htm

Cornerstone Cares: Support When It's Needed Most

At Cornerstone, we stand by our team members in times of need. Funded by voluntary donations from hundreds of caring team members, our Cornerstone Cares program provides vital resources and relief to other team members facing unexpected personal hardships. Since its inception, the program has distributed over $1 million to team members who had no other sources of assistance.

Join our happy workplace

With more service, support, innovation, and technology, we can make homebuying fast and stress-free for your clients and partners - and you!

On-Time Closing Commitment

It’s not just a priority; it’s a core value.

Efficiency

We can close quickly because we work on multiple parts of the loan simultaneously.

Effective Marketing

Whether word of mouth or awesome collateral, we have your needs covered.

Work-Life Balance

Enjoy the freedom and flexibility for what matters most. We create meaningful ways for you to thrive here and at home.

Innovation

In-House Operations

From processing and underwriting to closing, funding, and servicing.

Direct Lending

We cut out the middle man and make the final loan approval decision.

Personal Attention

At our core, we’re a local lender.

Variety Of Loan Programs

We can help everyone from first-time homebuyers and move-up homeowners to real estate investors.