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Steve Combs NMLS 381933 - Cornerstone Home Lending

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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.

07/15/2025

🚫 Don’t let mortgage myths hold you back.

Whether it’s thinking you need 20% down or assuming student debt disqualifies you, misinformation keeps too many people from owning a home.

Let’s set the record straight so you can move forward with confidence. 💪
➡️ Swipe to see what’s myth vs. fact—and contact me anytime with questions.

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

07/10/2025

📈 Thinking about buying a home? Start with your credit score.

A stronger credit score can lead to better loan options, lower interest rates, and smoother approvals. 🙌

Here are 3 simple ways to boost your credit before you buy—because small steps now can make a big difference later. 🏡

1️⃣Pay all your bills on time
2️⃣Avoid opening new credit accounts
3️⃣Raise your credit limits and reduce your debt balance

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

07/08/2025

It’s a hot market—but smart buyers win.

Before you jump into summer house hunting, make sure you’re ready to move with confidence, not just urgency.

Here’s a breakdown of a few key moves that can help you stand out and stay in control—even when homes are flying off the market.

✅ Get pre-approved early
✅ Know your max budget—not just what you’re approved for
✅ Find a loan partner who knows how to move fast

Your next move starts here.

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

07/04/2025

Happy Fourth of July!

Today, we celebrate the spirit of independence, the strength of our communities, and the freedom we’re grateful to share.

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

07/01/2025

🏡 Fixed vs. adjustable-rate mortgages—what’s the difference, and which one is right for you?

When it comes to choosing a mortgage, the interest rate structure can impact your payment today and years down the road. 💸

💡 Whether you're buying your first home or refinancing, understanding your options puts the power in your hands.

Feel free to reach out with any questions! I'm here to help you find the loan that supports your goals and sets you up for the future. Make your next move with confidence!

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

06/27/2025

🛡️ Tomorrow is National Insurance Awareness Day—homeowners insurance isn’t just a box to check during the mortgage process. It’s what helps safeguard your investment, your belongings, and your peace of mind long after closing day.

Here’s your reminder to:
✔️ Review your current coverage
✔️ Understand what your policy includes
✔️ Ask questions if you’re unsure what you’re protected against

Let’s make sure it’s protected.

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

06/25/2025

🏡 Want to pay off your mortgage faster and save thousands in interest?

It’s easier than you think! Try one of these 3 simple strategies:
1️⃣ Add 1/12 to your monthly payment
2️⃣ Pay just $50 extra each month
3️⃣ Use bonuses or refunds as lump-sum payments

Whether you choose a steady approach or take advantage of extra cash when you can, every bit counts toward full ownership and financial freedom.

Want to learn how to pay off your mortgage sooner? Check out our helpful blog post:
https://www.houseloanblog.net/how-to-pay-off-your-mortgage-faster/

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

06/20/2025

☀️ Hello, Summer—and hello, home opportunities! 🏡

More daylight means more chances to make your move in the housing market. Whether you’re buying, refinancing, or planning ahead, I’m here to help you navigate the season with confidence.

Let’s explore your options and make this the summer you step into something new. 🔑

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

06/19/2025

Today, we pause to honor Juneteenth—a powerful reminder of freedom, hope, and the ongoing journey toward equality.

We're committed to creating a world where every voice is celebrated, every story is cherished, and everyone knows they matter.

Let’s continue to learn from the past and grow forward—together. ❤️🖤💚

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

06/15/2025

Happy Father’s Day! 👨‍👧‍👦

Today, we honor the strength, wisdom, and guidance of fathers everywhere, including dads, stepdads, grandfathers, mentors, and father figures. Whether you're offering advice, sharing laughs, or building a safe place to call home, your presence means the world.

Wishing everyone a meaningful and memorable Father's Day!

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

06/13/2025

🏡 Before you start house hunting, start with the right questions.
Applying for a mortgage isn’t just paperwork—it’s a major step toward your future. And your loan officer should be more than a name on an email—they should be your guide.

Here are 3 key questions to ask before you apply, so you can move forward with clarity, confidence, and the right plan. 💡

❓ What types of mortgages do you offer, and which would you recommend for my situation?
Different mortgage rate options can significantly impact your monthly payment, long-term costs, and which loan is most suitable for your financial situation.
❓ What credit and income qualifications do I need?
Understanding credit and income qualifications helps you know where you stand financially, avoid surprises during the loan process, and take steps to strengthen your application if needed.
❓ What will my interest rate and APR be?
Your interest rate affects your monthly payment, while the APR (Annual Percentage Rate) gives you a clearer picture of the total cost of the loan—including fees—so you can make a well-informed comparison between loan options.

📝 Save this for later or share it with someone who’s getting ready to apply!

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

06/11/2025

Think you're overpaying property taxes? You're not alone.

Did you know that up to 60% of homeowners might be paying more than they should? It's time to take control and ensure you're not one of them. Our step-by-step guide walks you through the process of disputing your property tax assessment—from gathering evidence to presenting your case effectively.

📅 Act now! Don't miss your chance to potentially save hundreds or even thousands.
👉 Read the full guide here and start your appeal today!
https://www.houseloanblog.net/property-tax-appeal-guide/

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

Address

California, MD

Opening Hours

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

Website

http://www.Steve-Combs.com/

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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)