Steve Combs NMLS 381933 - Cornerstone Home Lending

Steve Combs NMLS 381933 - Cornerstone Home Lending NMLS #381933 www.NMLSconsumeraccess.org For us, mortgage is about making the dream of homeownership a simple, easy, and happy experience.

Cornerstone Home Lending is a full-service mortgage lender and is honored to serve communities in 45 states and DC with their mortgage needs. We offer a variety of mortgage options, home loan programs, and competitive pricing from a wide range of national investors. With in-house processing, underwriting, and funding, Cornerstone is 100% committed to on-time closings and satisfying home-financing

experiences. As our customer, you will be guided by caring, service-centric Team Members who are supported by world-class technology and efficient processes. We will always be committed to doing what’s right for the people we serve.

11/07/2025

What if you already have the credit score you need to buy a house and just don’t know it? 🤯

✅ Many homebuyers *overestimate* the credit score they think they need to qualify for a mortgage. Minimum credit scores may start as low as 500.

✅ A higher score could help you snag a more competitive interest rate—but there’s no need to put homeownership on hold to wait for “perfect credit.”

The fix: Message us to see where you stand. One conversation could change everything!

For educational purposes only. Cornerstone Home Lending does not provide credit repair services. Please contact a qualified professional for specific guidance.

Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

10/22/2025

Closing day is finally here! The day you've been working toward for weeks is about to happen. But what should you actually expect? 🏠✨

Remember: this is YOUR day! Ask questions, take your time reviewing documents, and don't be afraid to speak up if something doesn't look right. Your closing team is there to help make this as smooth as possible.

Ready to turn those keys and walk into your new home? The finish line is right there! 🎉

Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

09/25/2025

Mortgage recast vs. refinance: What’s the difference? 🏠💰

Both options can reduce your monthly payment, but they work in very different ways:

1️⃣ A recast adjusts your existing loan after a lump-sum payment.

2️⃣ A refinance replaces your loan with a new one, possibly with new terms or a new rate.

Learn more here: www.houseloanblog.net/mortgage-recast-vs-refinance

Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

09/15/2025

Major progress for homebuyers! 🏠✨

The Homebuyers Privacy Protection Act has passed both the House and Senate and is now headed to President Trump's desk for signature.

This landmark legislation will dramatically reduce (though not completely eliminate) spam calls flooding your phone after you apply for a mortgage. Starting about six months after it's signed into law, credit bureaus will face much stricter rules about selling your information to competing lenders.

Here's what changes:

✅ Credit bureaus can only share your mortgage info with lenders you already have relationships with
✅ Much stricter consent requirements for information sharing
✅ Significant reduction in unwanted marketing calls during your mortgage process

Important: You should still opt out of trigger leads for other types of credit like auto loans, credit cards, and personal loans. The new law specifically covers mortgages.

Learn how to fully protect yourself from all trigger leads: www.houseloanblog.net/do-not-call-lists

Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

09/11/2025

Today, we pause to remember September 11, 2001—a day that changed us forever.

We honor those we lost, the heroes who answered the call to help, and the countless acts of kindness that emerged from tragedy. Their memory lives on in the compassion we choose each day and in how we continue to care for each other. 💙

Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

09/04/2025

🏠 Confused about escrow? You're not alone.

Think of your escrow account as a dedicated savings account for your home's "must-pay" expenses like property taxes, homeowners insurance, and more.

Escrow takes the stress out of homeownership by turning big, irregular expenses into manageable monthly amounts. One less thing to worry about.

Have questions about your escrow account? We’re here to help!

Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Happy Labor Day!Today we celebrate the dedication, effort, and spirit of hardworking people everywhere.Enjoy a well-dese...
09/01/2025

Happy Labor Day!

Today we celebrate the dedication, effort, and spirit of hardworking people everywhere.

Enjoy a well-deserved day of rest.

Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Visit and save AskSteve247.com - Your 24-7 Mortgage and Real Estate resource.
08/29/2025

Visit and save AskSteve247.com - Your 24-7 Mortgage and Real Estate resource.

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23076 Three Notch Road Suite 101
California, MD
20619

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Tuesday 9am - 5pm
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Thursday 9am - 5pm
Friday 9am - 5pm

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NMLS ID #381933 Direct Mortgage Lender offering Conventional, FHA, VA, USDA Rural Development, 203k rehab, Construction Perm & 2nd mortgages. Competitive Rates & Exceptional Service! Company NMLS ID #2258 (www.nmlsconsumeraccess.org)