Buying a home is one of the biggest financial decisions you’ll make—and having the right mortgage professional by your side can make all the difference. At Cornerstone Mortgage Group, LLC, we believe the mortgage process should be built on trust, communication, and personalized service. That’s exactly what Keith Lewis, Executive Mortgage Consultant, brings to every client and referral partner he serves. More Than 20 Years of Mortgage Experience Keith has been serving homebuye

A mortgage rate can look tiny on paper. Half a percent here, a quarter percent there. Cute little numbers, right? Then they multiply across 30 years and suddenly that “tiny” difference is wearing a cape, kicking down the door, and demanding thousands of dollars. Your credit score plays a big role in that math. A higher score often helps you qualify for a better mortgage rate, and even a small bump can lower what you pay over time. That’s why credit isn’t just a “nice to have”

Buying a home usually starts with one big number: the price. But the number that often matters first is much smaller. It is the cash needed upfront before a lender funds the rest of the purchase. A down payment is the upfront cash paid toward a home purchase. If a home costs $350,000 and the buyer pays $35,000 at closing, the down payment is 10%. The mortgage covers the remaining amount, along with closing costs if those are not paid separately. The size of the down payment c

Buying a home can feel out of reach early in a medical career, even with a strong income path. Medical school debt, limited savings, and a new employment contract can make a standard mortgage harder to qualify for. A physician mortgage loan exists for that exact gap. A physician mortgage loan is a home loan designed for doctors and certain other medical professionals. It often allows a low down payment, limited or no private mortgage insurance, and more flexible treatment of

House hunting gets expensive fast when the budget is fuzzy. A listing looks affordable online, the monthly payment seems possible, and then property taxes, insurance, interest rates, and closing costs change the picture. Mortgage pre-approval helps bring the real numbers into focus before the search begins. It also gives sellers a reason to take an offer seriously, especially when several buyers want the same home. Pre-approval is not a guarantee that the loan will close. The

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A mortgage payment can be one of the largest monthly bills in a household budget. When that number changes unexpectedly, it can strain everything else. A fixed-rate mortgage is built to solve that problem by keeping the same interest rate for the life of the loan. That predictability is the main reason many homebuyers choose this type of mortgage. The principal and interest portion of the payment stays steady from the first payment to the last. For homeowners who value budget

Buying a home is one of the biggest decisions you’ll ever make. It can feel overwhelming, but it doesn’t have to be! I’m here to walk you through everything you need to know about getting a mortgage. From understanding your options to finding the right lender, I’ll share practical tips and clear explanations. Let’s dive into the world of home loans and make your dream home a reality! Understanding Comprehensive Mortgage Solutions When you hear the term comprehensive mortgage

Buying a home is exciting, especially when you’re aiming for a property that’s a bit above the usual price range. That’s where jumbo loans come in. These loans help you finance homes that exceed the limits set by conventional loans. If you’re looking to buy a luxury home or a property in a high-cost area, understanding jumbo loans is key. I’m here to walk you through everything you need to know, from the loan application process to the pros and cons of jumbo loans. Let’s dive

Buying a home is one of the biggest decisions you’ll make. It’s exciting but can also feel overwhelming. I get it! That’s why I want to share some clear, simple insights about mortgage loan options. Whether you’re buying your first home or upgrading to a new one, understanding your financing choices is key. Let’s dive in and make this journey easier for you! Understanding Mortgage Loan Options When it comes to financing your home, you have several mortgage loan options. Each

Buying a home is exciting! But saving for a big down payment can feel overwhelming. That’s why I want to talk about something that can...

Happy Wednesday! I am still talking to a lot of clients that think we are in a housing bubble. It is natural to want to compare our...

Happy Weds – I hope you are doing well. I have some positive news to share. If you watch the news you probably think now is not a good...

Should you immediately lock in your rate once you’re under contract - versus trying to perfectly time the market for the lowest rate?!...

Breaking News‼️ - The Fed Funds Rate increased .75% today. BUT, it’s important to know the Fed Funds Rate DOES NOT EQUAL the Mortgage...

Tom is giving two Wednesday Mortgage Updates today. If you are thinking when the Fed raises rates next week it will directly raise...