Disclosures & Licensing

Licensing

Cornerstone First Mortgage, LLC is licensed to originate residential mortgage loans in all U.S. states except New York. Not all products are available in all states or for all loan amounts. Programs, rates, terms, and conditions are subject to change without notice.

Company Licensing

Loan Originator Licensing

Equal Housing Opportunity

Cornerstone First Mortgage, LLC is an Equal Housing Opportunity Lender. We are committed to providing equal access to housing and mortgage services regardless of race, color, religion, national origin, sex, familial status, disability, or any other characteristic protected by federal, state, or local law, in accordance with the Fair Housing Act (42 U.S.C. 3601 et seq.) and the Equal Credit Opportunity Act (15 U.S.C. 1691 et seq.).

Non-QM Loan Program Disclosure

Non-QM loan programs. Alternative income documentation required. All loans subject to underwriting approval, income/asset verification, and ability-to-repay determination. Not all applicants will qualify. Program availability and guidelines subject to change without notice.

This is not a commitment to lend. The loan programs described on this website — including bank statement, 1099, profit-and-loss, asset-based, ITIN, and foreign national programs — are non-qualified mortgage (non-QM) programs offered through Cornerstone First Mortgage, LLC and its investor partners. Eligibility, documentation requirements, loan-to-value limits, and credit requirements vary by program and investor and are subject to change without notice.

New York Residents

Cornerstone First Mortgage, LLC is not licensed to originate mortgage loans in New York. We do not offer, solicit, or provide mortgage services to New York residents or for properties located in New York. If you are a New York resident, we may, at your request, refer you to a licensed mortgage provider; Cornerstone First Mortgage, LLC does not receive any fee or compensation for such a referral.

State-Specific Notices

Texas

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 North 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 (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.

Florida

Florida residents: Interest rates, loan programs, terms, and conditions are subject to change without notice and are not guaranteed until locked in writing. Any rate or program information referenced is illustrative only and does not constitute a commitment to lend.

Rhode Island

Cornerstone First Mortgage, LLC is a Rhode Island Licensed Lender.

Illinois

Cornerstone First Mortgage, LLC is licensed by the Illinois Department of Financial and Professional Regulation, Division of Banking. Licensing information, including the company and individual loan originator license numbers, is available through the NMLS Consumer Access registry at www.nmlsconsumeraccess.org.

Rate and Terms Disclaimer

All loan programs, rates, terms, and conditions are subject to change without notice. The information provided on this website is for informational and educational purposes only and does not constitute a loan offer, loan commitment, loan approval, or guarantee of any specific rate, term, or program. Actual rates, fees, and terms are determined based on your individual financial profile, creditworthiness, property characteristics, investor guidelines, and market conditions at the time of rate lock.

Calculator and Tools Disclaimer

The income calculator, qualifier quiz, and other tools on this website are for educational and illustrative purposes only. Results are preliminary estimates based on the information you provide and general program guidelines. Actual qualifying income, eligibility, and loan terms may differ. Use of these tools does not constitute a loan application, loan approval, or commitment to lend. Guidelines subject to change without notice.

Additional Disclosures

• All loans subject to credit approval, underwriting, and property appraisal.
• Private mortgage insurance may be required depending on the loan program and down payment.
• Property insurance is required on all loans. Flood insurance may be required for properties located in designated flood zones.
• Guidelines, loan-to-value limits, and documentation requirements are subject to change without notice.

NMLS Consumer Access

The Nationwide Multistate Licensing System (NMLS) allows consumers to verify the licensing status of mortgage companies and individual loan originators. You can verify our licensing at www.nmlsconsumeraccess.org:

• Cornerstone First Mortgage, LLC: NMLS #173855
• Tanner Cook: NMLS #2090424
• Zac Cook: NMLS #2111496

Contact

If you have questions about these disclosures or our licensing, please contact us: