Disclosures & Licensing

Licensing

Cornerstone First Mortgage, LLC (NMLS #173855) holds residential mortgage licenses in many states, but not in every state. The state license table below lists the licenses Cornerstone publishes, and NMLS Consumer Access is the official, current record. Before you apply, we confirm that we can finance a home in your property's state. 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

State Licenses

These are the state licenses and registrations Cornerstone First Mortgage, LLC publishes. Where no license number is published, check the company's record on NMLS Consumer Access (NMLS #173855). If your state isn't listed, ask us first: we'll confirm whether we can finance property there before you apply.

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, and a second look does not mean a loan can be approved. The non-QM programs described on this website (including bank statement, 1099, profit-and-loss, asset-based, DSCR, ITIN, and foreign national programs) are non-qualified mortgage 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

California

California Department of Financial Protection and Innovation (DFPI): Financing Law License 603K249. California Department of Real Estate (DRE): Real Estate Corporation License Endorsement 01840052.

California consumers with a complaint can contact the DFPI at dfpi.ca.gov or the DRE at dre.ca.gov, where each department explains how to file.

Texas

Cornerstone First Mortgage, LLC is registered as a mortgage banker with the Texas Department of Savings and Mortgage Lending (Mortgage Banker Registration, NMLS #173855).

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 N. 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 1-877-276-5550.

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.

Department website: 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.

Florida Mortgage Lender License MLD1510.

Rhode Island

Cornerstone First Mortgage, LLC is a Rhode Island Licensed Lender (Lender License 20204004LL).

Illinois

Cornerstone First Mortgage, LLC is licensed by the Illinois Department of Financial and Professional Regulation, Division of Banking (Residential Mortgage License MB.6761245). Licensing information, including the company and individual loan originator license numbers, is available through the NMLS Consumer Access registry at www.nmlsconsumeraccess.org.

New Jersey

Cornerstone First Mortgage, LLC holds a New Jersey Residential Mortgage Lender License, overseen by the New Jersey Department of Banking and Insurance. Cornerstone does not publish the license number on its website, so please verify the license on NMLS Consumer Access (NMLS #173855).

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.

Quiz and Tools Disclaimer

The rescue check 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

Contact

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