Steve Combs NMLS 381933 - Cornerstone Home Lending

09/06/2024

Unlock the Door to Homeownership Without a Social Security Number! 🏡✨
Meet Maria, a dedicated nurse who bought her first home with our ITIN Home Loan. She faced the unique challenge of having an Individual Taxpayer Identification Number (ITIN) instead of a Social Security Number. But with our tailored mortgage program, her dream to own a home became a reality.
Discover how our ITIN Home Loan can help you:
Less-than-perfect credit isn't a barrier to apply
Variety of loan amount options available, up to $1.25 million
Simplified income documentation using bank statements
Gift funds allowed towards a down payment
Just like Maria, you deserve the opportunity for accessible homeownership. Contact us to get started today!

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

09/02/2024

Happy Labor Day! 🛠️ No matter what you do, today we get to celebrate your hard work and dedication to making a difference. Enjoy a day of rest and relaxation –you’ve earned it! 💪

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

08/29/2024

Thinking about refinancing?

1️⃣ If your current rate is above 6%
2️⃣ If you’re paying mortgage insurance
3️⃣ If you’ve built up equity

Now might be the time to prepare.

Rates will fluctuate, so let Cornerstone help you get ready to act when the conditions are right.
We’ll review your scenarios and credit profile, so when the ideal rate appears, you’ll be ready to secure it.
If you’re already at a good rate below 5%, consider leveraging your equity with smart strategies.

Planning to stay in your home longer? Refinancing could be a smart move. Explore today’s rates with us—call now to get started! 🏡

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

08/29/2024

It’s the largest investment of their lives to date… Don’t let co-workers, friends, and family expect anything less. Now serving families in 46 states and Washington DC. Please share!

Here is an example of a homebuyer client dashboard. Here you will find example financing options, the conditional loan approval letter, our appraisal gap strategy if applicable and supporting documents that helped our clients to gain superior confidence in their home purchase planning. Contact Steve...

08/28/2024

Your financial security is our top priority!

Here’s how you can protect your credit:

🥶 Freeze your credit to keep unwanted eyes out.

⚠️ Place a fraud alert to catch any suspicious activity.

🔔 Set up bank transaction alerts for instant updates.

Stay proactive and safeguard your financial future with these simple steps. 💪



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

08/22/2024

While today's market has its challenges, these positive trends show brighter days ahead.

The good news? Things are looking up:

📉 Mortgage rates are on the decline
📈 Home prices are rising, but at a slower pace
💰 Wages are climbing, making homes more affordable

Have you been waiting and hoping for your chance to buy a home? Give us call so we can get you prequalified!

Sources deemed reliable but not guaranteed.



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

08/21/2024

Your new home deserves a strong foundation! Our extended rate locks provide the stability and peace of mind you need during your new construction journey. 👷🏡

Call us today to find out more and build with confidence! 📲



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

08/15/2024

Doing your HOMEwork yourself is no fun. 📝✨

At Cornerstone Home Lending, we're your homebuying teachers, guiding you every step of the way. 🌟🏠

Ready to find your perfect home? Let's get started today! 🏡💼



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

08/14/2024

🎉 Great news for homebuyers and homeowners! Interest rates have just dropped to their most competitive point in a year, making it the perfect time to lock in your dream home or save on your mortgage. Don’t miss out on this golden opportunity—let’s get started today! 🏡💰

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

08/13/2024

Thou shalt not do any of the following if thou desires a smooth home closing experience:

Thou shalt not change jobs, become self-employed, or quit thy job.

Thou shalt not buy a car, truck, or van (or you may be living in it!).

Thou shalt not use credit cards excessively or let current accounts fall behind.

Thou shalt not spend money set aside for closing.

Thou shalt not omit debts or liabilities from thy loan application.

Thou shalt not buy furniture on credit.

Thou shalt not originate any inquiries into thy credit.

Thou shalt not make large deposits without checking with thy loan officer.

Thou shalt not change bank accounts.

Thou shalt not co-sign a loan for anyone.

Stay on the path to your dream home! 💼🔑✨

Got more questions? Let us know in the comments below! ⬇️🗣️



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

08/09/2024

Homeowners, your home equity could be the key to new opportunities. 🔑

With our closed-end second loan, you can quickly access a significant amount of cash from your home equity in one lump sum. 💰 BONUS: your primary mortgage interest rate and terms WON’T change!

This is your money to use wherever you need it most:

💳 Paying off some (or all) debts
🛠 Renovating your home
🎓 Paying for college
🏡 Buying an investment property
☔ Growing your rainy-day fund
🔮 And so much more!

Ready to make your home equity work for you? Message us to get started. We’re excited to be your ally in reaching your big-picture financial dreams. 🌟



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

08/08/2024

If you've financed a home purchase any time after the Summer of 2022, you likely have an interest rate that will soon be higher than it needs to be. Get prepared now, let's have a conversation. Here's a glimpse of what a modern home refinance experience should resemble.
Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Here is an example of a home owner client's dashboard. Here you will find financing options, applicable and supporting documents that helped our clients to gain superior confidence in their home purchase planning. Contact Steve to request your own custom dashboard. This is not a rate quote or a comm...

08/07/2024

Imagine this: After searching homes, you finally find one that's practically perfect but needs a little TLC. Maybe the walls have seen better days, or you love everything about the kitchen except the countertops. How can you pay for minor updates and repairs and still have enough funds for a down payment and other homebuying expenses? 🤔

Our NEW Fixer Upper Loan has you covered! You can finance the cost of minor renovations (up to 10% of the sales price) right into the mortgage for your new home. Plus, you can use Lowe's® or The Home Depot® to complete the updates and repairs! 👷🏽‍♀️

Here's how it works:

Visit Lowe's® or The Home Depot® to get an initial quote on renovation services.

The home is appraised based on its value after the planned updates are made.

If you're not sure how much the home will appraise for, keep the bid close to 10% of the sales price to avoid surprises.

After your home loan closes, you'll get a check within 72 hours to pay the store and work can begin.

Lowe's® or The Home Depot® have up to 6 months to finish the work!

Message us for all the details about our streamlined Fixer Upper Loan! With down payment options as low as 3%, it's a simple way to turn potential into perfection without having to pay out of pocket. 💫



[DISCLAIMER] The Fixer Upper Loan program is not sponsored, endorsed, or administered by, or associated with, Lowe's® or The Home Depot®. Lowe's® and The Home Depot® are the owners of their respective marks, logos, name, and image.

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

07/27/2024

Lusby, No HOA, 3 levels of living, flat lot and a recent price reduction! Check it out here and make your appointment today before it’s gone. https://www.buysomd.com/listing/FMOHgKjz

07/11/2024

Wow! Check out Jenny Norris’ new listing!! 🤩

One-of-a-kind Custom Home with Breathtaking Panoramic Water Views on sought after St. George Island. A Premium Lot where every window looks out over Island Creek, St. Georges Creek, St. Mary's River, Potomac River and/or the Chesapeake Bay. Gleaming Hardwood Floors and Upgraded Ceramic Tile Througho...

05/24/2024

Well appointed, well-priced, turn-key, townhome in Chesapeake Bay waterfront community! Check it out and please share!

Welcome to your dream townhouse! Nestled in a picturesque neighborhood with exclusive water access and a private beach, this stunning end unit boasts everything you've been searching for and more. As you step inside, you'll be greeted by newly installed luxury vinyl plank flooring that seamlessly fl...

05/21/2024

Incredible opportunity in the sought-after Magnolia Park of Wildewood! Schedule your appointment to visit this home and check out the link for special financing options available!

Discover the perfect blend of style and practicality in this stunning move-in ready home nestled in the sought-after Magnolia Park neighborhood of Wildewood! Here are some standout features to love: Custom Luxury Upgrades: Built in 2021, this home boasts custom luxury upgrades that make it feel bran...

04/16/2024

Do not miss this amazing home in California MD! Special financing promotion for primary residence buyers. Click on the link to check it out today. 🙌🏼

Welcome to Your Dream Home! Here are the key features and highlights: Exterior: Manicured landscaping and inviting ambiance Spacious deck for entertaining Side-entry two-car garage Convenient gardener's shed Interior: Decorative wall treatments in every room Two-story foyer with rustic shiplap wall....

04/05/2024

Please share!

Great location in Meadow Lake with convenient access to Pax River Navy Base and nearby stores. New roof enhances the home's appeal and value. Bright and airy interior with newly painted walls. Spacious layout featuring new carpeting and fresh kitchen floor. Includes a spacious office/sitting room on...

04/05/2024

Check out this new listing in Meadow Lake from Click the link for more details! https://www.buysomd.com/listing/FMO7T2hx

03/28/2024

New price! Check it out!

Welcome to Your Dream Home! Here are the key features and highlights: Exterior: Manicured landscaping and inviting ambiance Spacious deck for entertaining Side-entry two-car garage Convenient gardener's shed Interior: Decorative wall treatments in every room Two-story foyer with rustic shiplap wall....

03/21/2024

What a home! We would be privileged to help you make it your next home. Please check it out and then share for me!

Welcome to Your Dream Home! Here are the key features and highlights: Exterior: Manicured landscaping and inviting ambiance Spacious deck for entertaining Side-entry two-car garage Convenient gardener's shed Interior: Decorative wall treatments in every room Two-story foyer with rustic shiplap wall....

01/31/2024

I’m going to leave this right here. 🫣 Visit BuySOMD.com for more insights.

11/16/2023

This one won’t last long with these special financing options. Schedule your tour with the Floyd Home Team and enjoy Forrest Farms living for the holidays!

Here in this dashboard you will find: Conventional Loan Options with FREE Temporary Buydown of 1% for 1 year. VA Loan Options with FREE Temporary Buydown of 1% for 1 year. Real Estate Report Card AVM of the Subject Property supporting value. Listing Agent Contact information and additional decision....

10/16/2023

What’s an interest rate buy-down? Do I do a permanent or temporary buy-down? In this current market, I like the temporary buydown.
My clients buying an owner occupied home will get a 1-year 1% buy-down of their interest rate at no cost to them, for working with me. But there are several other options. Let’s talk!

© 2023 Steve Combs NMLSR: 381933 Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB, Member FDIC Company NMLS 2258 (www.nmlsconsumeraccess.org) Loan Production Office: 23076 Three Notch Rd Suite 101 California MD 20619

09/25/2023

In this video, I discuss the current state of the real estate market and provide tips and tools for navigating it successfully. I explain why competition is high and how to make your offer stand out. I also address the importance of understanding appraisal gaps and the role of pre-approval letters. Additionally, I share how our team can help eliminate stress and strengthen your home loan approval. If you're looking to buy a home, this video will provide valuable insights and guidance.

In this video, I discuss the current state of the real estate market and provide tips and tools for navigating it successfully. I explain why competition is high and how to make your offer stand out. I also address the importance of understanding appraisal gaps and the role of pre-approval letters.....

05/27/2023

Lessons in capitalism

05/27/2023

I love hearing that what we do makes a huge difference in helping my clients win in a very competitive market. 🙌🙌