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Steve Combs NMLS 381933 - Cornerstone Home Lending

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Steve Combs NMLS 381933 - Cornerstone Home Lending

NMLS #381933 www.NMLSconsumeraccess.org For us, mortgage is about making the dream of homeownership a simple, easy, and happy experience.

Cornerstone Home Lending is a full-service mortgage lender and is honored to serve communities in 45 states and DC with their mortgage needs. We offer a variety of mortgage options, home loan programs, and competitive pricing from a wide range of national investors. With in-house processing, underwriting, and funding, Cornerstone is 100% committed to on-time closings and satisfying home-financing

experiences. As our customer, you will be guided by caring, service-centric Team Members who are supported by world-class technology and efficient processes. We will always be committed to doing what’s right for the people we serve.

01/23/2025

Before you start searching for your dream home, make sure you’re prepared with a pre-approval letter in hand. Why? It’s a reliable choice for a quicker, smoother, and less stressful buying experience.

With a pre-approval 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

01/20/2025

Carrying the legacy forward. Today, we honor Dr. Martin Luther King Jr., a man who showed us the power of dreams, perseverance, and equality. We’re committed to building a brighter future where every individual has the opportunity to achieve their dreams–whether it’s owning a home, building wealth, or paying off debt.

Dr. King once said, ‘Faith is taking the first step even when you don’t see the whole staircase.’ Let’s continue to take those steps together toward progress, unity, and equity for all.

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

01/07/2025

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

01/01/2025

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

12/25/2024

This holiday season, I'm reflecting on a year full of incredible moments and memories made that couldn't have been possible without your trust and support. From milestones to everyday wins, each step has been a reminder of why my dedication to helping families on their homeownership journey matters. Here's to more growth and success in the year ahead! 🎄

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

12/23/2024

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

12/20/2024

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

12/12/2024

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

12/05/2024

🎯 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

12/03/2024

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!

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

11/28/2024

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

11/26/2024

📢 Attention homebuyers! Fall is shaping up to be the perfect time to find your dream home. 🏡 With fewer buyers in the market, you could have less competition, more options to choose from, and more room to negotiate a better deal. 💪

Why wait until the new year homebuying rush? Now’s your chance to take advantage of the opportunities that come with the season. 🍂

DM us to learn more about why this could be the right time for your home purchase!

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

11/22/2024

Buying your first home is exciting—but it’s okay if it feels a little intimidating too! 🏡✨ The good news? You don’t have to figure it all out on your own. We’re here to guide you and make each step feel doable. Here are a few basics to get you started:

✔️ Find a budget that feels right: We’ll help you set a price range that keeps you comfortable today and down the road.

✔️ Leave some room for the journey: Shopping below your max gives you flexibility for the unexpected, so you can feel confident and ready to bid.

✔️ Know your numbers without the stress: Not sure what payment is right for you? We’ll work with you to make sure it’s something you feel great about.

Have questions? Ready to dive in? DM us anytime! We are here to support, answer, and celebrate each milestone with you. Let’s make this journey one you’ll always remember. 🏠💙

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

11/20/2024

Should You Pay Off Debt Before Buying a Home?
This is a common question we hear, and the answer depends on your unique financial situation. Paying off certain debts can improve your buying power, but it’s not always a one-size-fits-all solution.
For example, paying off a credit card might only slightly affect your debt-to-income ratio since it's calculated based on minimum payments. On the other hand, eliminating a fixed payment, like a car loan, could make a more significant difference in boosting your buying power.
We strongly recommend consulting your loan officer for personalized advice. They can help you evaluate your debt portfolio and provide an accurate picture of how paying off specific debts might impact your ability to buy a home.

Cornerstone Home Lending and/or its affiliates do not provide debt consolidation
services. Please contact a qualified professional for specific guidance.

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

11/15/2024

Don't let higher rates derail your homeownership dreams. 💭 Knowing your rate comfort zone helps you stay prepared in a shifting market, but even if current rates feel high, remember we have tools designed to help (like rate buydowns or adjustable-rate mortgages).

Knowledge is power! 💡 We're here to help you understand your options and find the right solution for your unique situation.

Source is 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

11/14/2024

With HomeReady First, saving up for your first home doesn’t have to take years. 🏡✨ Available now until October 31, 2025, this program offers a $7,500 down payment assistance grant to first-time homebuyers. It can help you close the gap between what you’ve already saved and what you need for a down payment.

While you need to live in a qualifying area within an eligible city when you apply, you have the flexibility to purchase your new home anywhere in the 45 states we lend in!

Unlike some other assistance programs, there are no income limits, and you don't pay back the grant! 🎉 In today's market, affordability is crucial, so HomeReady First is a great way to help bring your first home from dream to reality.

Fast-track your homeownership journey – call us today to see if you live in a qualifying location! 🌟

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

11/11/2024

Today, we honor and celebrate our Veterans for all they've given and continue to give in service to our country. 🇺🇸❤️ To those who've served, thank you for continually showing us what true courage looks like.

Happy Veterans Day!

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

11/07/2024

Refinancing can be a great way to save, but only if you know what to look for. 🏠💡

Before you refi, compare:

☑️ Lifetime interest: Is it lower overall?

☑️ Term: Does it meet your goals?

☑️ Break-even point: When will you start saving?

☑️ Monthly savings: A plus, but not everything.

At Cornerstone Home Lending, we’re dedicated to helping you understand these factors and make the right decision for your future. Connect with us to see if refinancing makes sense for you.

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

Address

23076 Three Notch Road Suite 101
California, MD
20619

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://www.Steve-Combs.com/

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Videos

Before you start searching for your dream home, make sure you’re prepared with a pre-approval letter in hand. Why? It’s a reliable choice for a quicker, smoother, and less stressful buying experience. With a pre-approval 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

Don't let higher rates derail your homeownership dreams. 💭 Knowing your rate comfort zone helps you stay prepared in a shifting market, but even if current rates feel high, remember we have tools designed to help (like rate buydowns or adjustable-rate mortgages). Knowledge is power! 💡 We're here to help you understand your options and find the right solution for your unique situation. Source is 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

Today, we honor and celebrate our Veterans for all they've given and continue to give in service to our country. 🇺🇸❤️ To those who've served, thank you for continually showing us what true courage looks like. Happy Veterans Day! Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

If you're looking for the perfect place to settle in and make BOO-tiful memories this Halloween, we're here to help! Contact us today 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

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NMLS ID #381933 Direct Mortgage Lender offering Conventional, FHA, VA, USDA Rural Development, 203k rehab, Construction Perm & 2nd mortgages. Competitive Rates & Exceptional Service! Company NMLS ID #2258 (www.nmlsconsumeraccess.org)