Disclosures
Company Information
Cornerstone First Mortgage, LLC
NMLS ID# 173855
www.nmlsconsumeraccess.org
Loan Officers
Tanner Cook
NMLS ID# 2090424
Email: Tanner@cfmtg.com
Phone: 469-405-2690
Zac Cook
NMLS ID# 2111496
Email: Zac@cfmtg.com
Phone: 480-406-2016
Equal Housing Opportunity
Cornerstone First Mortgage, LLC supports Equal Housing Opportunity.
Loan Product Disclaimer
This is informational only and is not an offer of credit or commitment to lend. Interest rates, products, and loan terms are subject to change without notice and may not be available at the time of loan application or loan lock-in.
Contact Cornerstone First Mortgage, LLC to learn more about your eligibility for its mortgage products. Loans are subject to buyer, builder, and property qualification. Cash reserves may be required.
DSCR Loan Specific Disclosures
DSCR (Debt Service Coverage Ratio) loans are for investment properties only and cannot be used for primary residences or second homes. These are non-QM (non-qualified mortgage) loan products.
Rates and terms advertised are subject to change and may vary based on credit score, property type, loan-to-value ratio, DSCR ratio, and other factors. Not all borrowers will qualify for the terms shown.
Credit Score Restrictions: Borrowers with credit scores between 620-659 may be subject to additional LTV restrictions and higher down payment requirements.
Short-Term Rental Properties: Short-term rental (Airbnb/VRBO) properties may require higher down payments and additional documentation requirements compared to long-term rentals.
Cash-Out Refinances: Cash-out refinances may have additional LTV restrictions based on credit score, property type, and seasoning requirements. Maximum LTV varies by program.
Rate and Fee Disclosure
Actual rates and fees will be disclosed in your Loan Estimate, which you will receive within three business days of submitting a complete loan application. APR (Annual Percentage Rate) reflects the total cost of the loan including interest and fees.
State Licensing
Cornerstone First Mortgage, LLC (NMLS #173855) is licensed in many states. The table below lists the licenses the company publishes. Where no number is shown, none is published for that license; you can confirm the current status of every license on NMLS Consumer Access.
| State | License | Number |
|---|---|---|
| Alabama | Consumer Credit License | 22395 |
| Arizona | Mortgage Brokers License | 0910407 |
| Arkansas | Combination Mortgage Banker-Broker-Servicer License | 111726 |
| California (DFPI) | Financing Law License | 603K249 |
| California (DRE) | Real Estate Corporation License Endorsement | 01840052 |
| Colorado | Mortgage Company Registration | Not published (see NMLS Consumer Access) |
| Connecticut | Mortgage Lender License | ML-173855 |
| Florida | Mortgage Lender License | MLD1510 |
| Georgia | Mortgage Lender License/Registration | 54276 |
| Idaho | Mortgage Broker/Lender License | MBL-9042 |
| Illinois | Residential Mortgage License | MB.6761245 |
| Indiana (DFI) | Mortgage Lending License | 36892 |
| Iowa | Mortgage Banker License | 2019-0123 |
| Kansas | Mortgage Company License | MC.0025482 |
| Kentucky | Mortgage Company License | MC418810 |
| Louisiana | Residential Mortgage Lending License | Not published (see NMLS Consumer Access) |
| Maryland | Mortgage Lender License | 06-20235 |
| Massachusetts | Mortgage Lender and Mortgage Broker | MC173855 |
| Michigan | 1st Mortgage Broker/Lender Registrant | FR0021625 |
| Minnesota | Residential Mortgage Originator License | MN-MO-173855 |
| Mississippi | Mortgage Lender License | 173855 |
| Missouri | Mortgage Company License | 21-2309 |
| Montana | Mortgage Lender License | 173855 |
| Nebraska | Mortgage Banker License | Not published (see NMLS Consumer Access) |
| Nevada | Mortgage Company License | 4024 |
| New Hampshire | Mortgage Banker License | 23146-MB |
| New Jersey | Residential Mortgage Lender License | Not published (see NMLS Consumer Access) |
| New Mexico | Mortgage Loan Company License | Not published (see NMLS Consumer Access) |
| North Carolina | Mortgage Lender License | L-171239 |
| North Dakota | Money Broker License | MB103759 |
| Ohio | Residential Mortgage Lending Act Certificate of Registration | RM.804730.000 |
| Oklahoma | Mortgage Lender License | ML011783 |
| Oregon | Mortgage Lender License | ML-5155 |
| Pennsylvania | Mortgage Lender License | 61140 |
| Rhode Island | Lender License | 20204004LL |
| South Carolina (BFI) | Mortgage Lender / Servicer License | MLS-173855 |
| South Dakota | Mortgage Lender License | ML.05309 |
| Tennessee | Mortgage License | 130940 |
| Texas (SML) | Mortgage Banker Registration | Not published (see NMLS Consumer Access) |
| Utah (DRE) | Mortgage Entity License | 6994210 |
| Virginia | Lender License | MC-5673 |
| Washington | Consumer Loan Company License | CL-173855 |
| West Virginia | Mortgage Lender License | ML-173855 |
| Wisconsin | Mortgage Banker License | 173855BA |
| Wyoming | Mortgage Lender/Broker License | 3703 |
If your property is in a state that isn't listed, we'll confirm whether we can finance it before you apply. DSCR loans are business-purpose loans secured by investment property.
Texas Consumer Complaint and Recovery Fund Notice
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.
California
Loans made or arranged pursuant to a California Finance Lenders Law License No. 6053674.
California Department of Financial Protection and Innovation (DFPI): Financing Law License 603K249.
California Department of Real Estate (DRE): Real Estate Corporation License Endorsement 01840052.
California consumers with a complaint may contact the DFPI at dfpi.ca.gov or the DRE at dre.ca.gov.
Virginia
Pre-qualification and pre-approval information on this site is not a commitment to lend.
THIS IS NOT A LOAN APPROVAL
Consumer Complaint Information
If you have a complaint about our services, you may contact your state's banking or financial services regulator. You can also file a complaint with the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov/complaint.