Steve Combs NMLS 381933 - Cornerstone Home Lending

We believe that homeownership is more than just having a place to live—it’s about creating memories, building your future, and finding a space filled with love. Whether you're buying your first home, upgrading for more space, or refinancing to secure your dreams, we’re here to help make your homeownership journey as smooth and sweet as possible. This Valentine’s Day, let’s celebrate the place that holds our hearts—home. Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER #valentinesday #homeiswheretheheartis #homesweethome #cornerstonehomelending #cornerstonecares

You don't need perfect credit to purchase a home! Your credit score matters, but it doesn’t have to be perfect to qualify for a home loan. In fact, many buyers overestimate what’s needed. The truth? You may already be closer to homeownership than you think! Want to improve your score and open up more options? Here are 3 simple tips: ✔️ Pay your bills on time to build a strong payment history. ✔️ Pay down outstanding debt to improve your credit utilization. ✔️ Hold off on applying for new credit to avoid unnecessary inquiries. See where you are—so you can plan where you're going. Work with a trusted lender (like us!) to explore your options and get started on your journey to owning your dream home. Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER #HomeBuyingTips #CreditScore #MortgageMadeSimple #CornerstoneHomeLending Disclaimer: Source deemed reliable but not guaranteed.

Time in the market > Timing the market Trying to time the market can feel like a guessing game, and housing economists agree: time in the market is what truly matters. Buying now means you can start building equity immediately, even as home prices continue to rise over the next few years. If you’re ready and able to make the numbers work, buying sooner rather than later often has long-term benefits. Let’s explore your options and make homeownership happen for you! Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER #BuyNowOrWait #HomeBuyingTips #CornerstoneHomeLending #EquityBuilding Disclaimer: For educational purposes only. Sources deemed reliable but not guaranteed.

Before you start searching for your dream home, make sure you’re prepared with a pre-qualification letter in hand. Why? It’s a reliable choice for a quicker, smoother, and less stressful buying experience. With a pre-qualification letter in hand, you’ll have the confidence to shop for homes, knowing you’re ready to make a strong offer when the time comes. 📞 Ready to get started? Contact us today to learn more! Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

As we step into 2025, many of us are reflecting on what’s next. If homeownership is part of your dream this year, it’s not just a resolution—it’s a journey, and we’re here to guide you every step of the way. ✨ Start with a Solid Foundation: Building a future in your own home begins with financial confidence. Whether it’s saving for a down payment, paying down debt, or creating a realistic budget, every step gets you closer to the front door. 📈 Understand Your Credit Story: Your credit score impacts the terms you’ll be offered on your loan. Small steps, like paying bills on time or reviewing your credit report for errors, can make a big difference. 🌟 Think Beyond Today: The right home isn’t just about where you are now—it’s about where you’re going. Together, we can explore options that fit your lifestyle and long-term goals. 📋 Know What You Want: Dream big, but also get specific. Is it location? Space for family? A home office? By setting clear priorities, you can make confident decisions. 🤝 Partner with Trusted Advisors: Buying a home is a big step, but you don’t have to take it alone. Our team is here to answer your questions, explain the details, and make the process less overwhelming. Every journey starts with the first step. Let’s take it together. 📞 Ready to talk about your goals? Reach out today—we’re here to help. Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER #HomeBuyingJourney #NewYearGoals #mortgagelender #newyearnewhome

We’re all about growth! What’s one resolution you’re committing to this year? Let’s inspire each other! 🌱 Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Ready to unwrap the gift of homeownership this holiday season? Gift funds can help cover your down payment, making your dream home a reality! 🎁 Acceptable Sources: Gift funds must come from family members, close friends, or even your employer. 🎁 Document It: Lenders require a gift letter that outlines the amount and confirms it’s a gift, not a loan. 🎁 No Repayment Required: These funds must be a true gift with no expectation of repayment. At Cornerstone Home Lending, we’re here to guide you through every step of the process. Let’s talk about how you can take advantage of gift funds this holiday season! 🎄 Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

May your Christmas be as warm and comforting as a freshly baked batch of gingerbread cookies straight from the oven! Enjoy the sweetness of the season! 🎄 Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Frosty fun and holiday cheer ⛄❄️ Let's make memories that melt our hearts. Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

🎯 7 Renovations with the Biggest Return On Investment Want to maximize your home's value? These are the top renovations for long-term gains! 💰🏡 1️⃣ Refinish Hardwood Floors 💸 Cost: $3,400 | 💡 Return: 147% 2️⃣ Convert Basement to Living Area 💸 Cost: $57,500 | 💡 Return: 86% 3️⃣ Upgrade Insulation 💸 Cost: $2,500 | 💡 Return: 100% 4️⃣ Replace Garage Door 💸 Cost: $2,000 | 💡 Return: 100% 5️⃣ New Roof Installation 💸 Cost: $12,000 | 💡 Return: 100% 6️⃣ Complete Kitchen Renovation 💸 Cost: $80,000 | 💡 Return: 75% 7️⃣ Renovate Bathroom 💸 Cost: $35,000 | 💡 Return: 71% 🔗 Learn more: houseloanblog.com/renoroi ✨ Ready to Renovate? Contact our team today! 🛠️ Disclaimer: For educational purposes only. Source deemed reliable but not guaranteed. Source: Remodeling Impact Report Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Just because you qualify for a certain amount doesn’t mean you need to stretch your budget to the max! 🙌 It’s all about finding a payment plan that feels comfortable for you, regardless of the dollar amount approved. At Cornerstone, we have strategies to help you stick to your budget while still achieving your homeownership dreams. Our loan officers are advocates for buyers, guiding you every step of the way. Ready to find what works for you? DM us to explore your options! #HomeBuying #BudgetSmart #RealEstateTips Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

As we gather around the table, let's not only be thankful for the feast, but for the love, laughter, and lives we share. Wishing you a joyful Thanksgiving overflowing with gratitude! 🍂🦃 Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER