Cornerstone Home Lending

Richard and his team were awesome! He was recommended to me by my realtor and I can't be more grateful. I applied to many places for pre-qualification and Richard was able to give me the best rate for a better priced home which I really appreciated. He was very helpful when I was looking at homes to give me a good idea on what the monthly would be and what I need to look for in a home. He was very thorough in explaining to me which was helpful as this was my first time purchasing a home. His team worked diligently when my offer was accepted to make sure we were ahead of schedule and we were able to close earlier than expected. Overall they provided great customer service and were super helpful and knowledgeable. 10/10 would recommend

Oscar Chow and his Team handled my loan very professionally from the start, when we started a contract with Esperanza Homes in January 2023. Our only concern as we got closer to the final lap on closing the deal, was that we wanted to lock the interest rate when it was lower. We ended up with over 7% vs 6% at the end. For a retiree like me that's extra money I will need to dish out monthly. We would have wanted that 6% at the end.

The process was easy to follow just a few delays from our part due to not knowing that I could scan documents with my iPhone 12. Mr Oscar Chow and Mrs Quintero were very supportive and patient with our questions! They responded to our text messages and calls in a timely manner! Great team work! Thanks again for helping us get into our dream home on a half acre!

If I could give negative stars, I would. Grace Home loans, a subsidy of Cornerstone Home Lending really screwed up big time. We were attempting to build a home. During the pre-approval process, we disclosed loan information to our loan officer who we were assigned to, Niiesha Earls. Well, some of our loan information we disclosed to her made us ineligible but she never told us. During the loan process, Nieesha quit and failed to relay the information over to the new loan officer. As a result, we were forced to learn that we couldn't close on a home we had been building for over 4 months. We were not upset that we were denied, but the lack of organization with this company is unheard of. We literally were communicated this 5 days before closing forcing us to pivot and find somewhere to go. We spent thousands of dollars on movers, inspections, storage, forfeiture of security deposits, hotel rooms all as a result of their failure to properly vet the loan process. This was incompetence at its finest. We were lucky enough to get our earnest and option money back from the builder but that was only a chunk of the money spent as a result. They initially told us no but retracted after I left a poor review. I filed a complaint with Cornerstone and someone named Nicole opened up an investigation. She called me several times during the process which seemed good but it was all to basically tell me, ooopps, sorry for our mistake and all the money you lost, but have a good day. They do not communicate with you, they do not respond without borderline pestering them and they simply don't know what they're doing. I would highly recommend you do not choose this company if at all possible. It's an absolute joke. I don't know how their reviews aren't 0 stars. My wife and I are building a strategy for legal action. We will NOT let them get away with this poor practice.