Steve Combs NMLS 381933 - Cornerstone Home Lending

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.
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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.

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

📢 Attention homebuyers! Fall is shaping up to be the perfect time to find your dream home. 🏡 With fewer buyers in the ma...
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

Buying your first home is exciting—but it’s okay if it feels a little intimidating too! 🏡✨ The good news? You don’t have...
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

Should You Pay Off Debt Before Buying a Home?This is a common question we hear, and the answer depends on your unique fi...
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

With HomeReady First, saving up for your first home doesn’t have to take years. 🏡✨ Available now until October 31, 2025,...
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

Refinancing can be a great way to save, but only if you know what to look for. 🏠💡Before you refi, compare:☑️ Lifetime in...
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

When it comes to your home financing, Cornerstone has your back every step of the way. Whether you're moving down the fi...
11/03/2024

When it comes to your home financing, Cornerstone has your back every step of the way. Whether you're moving down the field toward your dream home or looking to refinance, we've got a winning game plan for YOU. 🏡
Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

10/31/2024

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

10/29/2024

📢 You may already have the credit score you need to buy a home—and not even know it! 🤯

According to a Fannie Mae survey, many homebuyers overestimate minimum credit score requirements. While credit scores range from 300 (poor) to 800 and above (exceptional), many lenders accept minimum scores that fall in the fair range:

FHA loans – as low as 500

VA loans – as low as 580 with AUS* approval *Automated Underwriting System.

Conventional loans – as low as 620

USDA loans – as determined by GUS** **USDA's Guaranteed Underwriting System.

While a higher score could mean better interest rates and terms, you don’t need an exceptional score to get approved. The key is connecting with a lender about specific requirements based on your total financial picture and homebuying goals. 🔑🏡

Don’t let credit misconceptions hold you back. We'd love to help you find the right path to homeownership. Message us 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

10/24/2024

Are you a homeowner who wants to access your home's equity without changing your mortgage rate?

📞 Give us a call to explore your financing options that work for your unique situation. We're here to help and show you how you can tap into your equity all while keeping your original mortgage rate intact!

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

10/22/2024

Before you start planning that dream kitchen or backyard oasis, make sure you’re pre-qualified and ready to make your move! Being pre-qualified can boost your chances of getting your offer accepted because you’ve already connected with a mortgage professional and verified important financial details.

We go beyond just providing a mortgage—we’re dedicated to creating a seamless, personalized experience that sets us apart. Our loan officers are with you every step of the way, ensuring your journey to homeownership is smooth and stress-free.
Let's get started, tell us what your must-haves are in your new home!

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

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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

📢 You may already have the credit score you need to buy a home—and not even know it! 🤯 According to a Fannie Mae survey, many homebuyers overestimate minimum credit score requirements. While credit scores range from 300 (poor) to 800 and above (exceptional), many lenders accept minimum scores that fall in the fair range: FHA loans – as low as 500 VA loans – as low as 580 with AUS* approval *Automated Underwriting System. Conventional loans – as low as 620 USDA loans – as determined by GUS** **USDA's Guaranteed Underwriting System. While a higher score could mean better interest rates and terms, you don’t need an exceptional score to get approved. The key is connecting with a lender about specific requirements based on your total financial picture and homebuying goals. 🔑🏡 Don’t let credit misconceptions hold you back. We'd love to help you find the right path to homeownership. Message us 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

Are you a homeowner who wants to access your home's equity without changing your mortgage rate? 📞 Give us a call to explore your financing options that work for your unique situation. We're here to help and show you how you can tap into your equity all while keeping your original mortgage rate intact! Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Before you start planning that dream kitchen or backyard oasis, make sure you’re pre-qualified and ready to make your move! Being pre-qualified can boost your chances of getting your offer accepted because you’ve already connected with a mortgage professional and verified important financial details. We go beyond just providing a mortgage—we’re dedicated to creating a seamless, personalized experience that sets us apart. Our loan officers are with you every step of the way, ensuring your journey to homeownership is smooth and stress-free. Let's get started, tell us what your must-haves are in your new home! Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Did you know that when you apply for a mortgage, your information may be shared with credit bureaus, leading to a flood of unwanted offers? Here’s how to take control: ➡️ Visit OptOutPrescreen.com or call 1-888-567-8688 to start the process. ➡️ Select "Opt-Out" for five years or "Opt-Out Permanently" to stop pre-screened credit offers. ➡️ Complete the form with your personal details and confirm your opt-out request. Taking these steps helps keep your information private and your mailbox clear! 📬 Have questions? Drop them in the comments! 💬 Steve Combs, NMLS 381933. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID#2258 | MEMBER FDIC | EQUAL HOUSING LENDER

With our Fixer Upper Loan, your renovations are just as easy as your mortgage. See your new home transformed into your dream home before you even move in. 🛠 🏡 Call 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

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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)

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