WMAL – The Larry O’ Connor Show: Larry asks Mark Livingstone, Founder at Cornerstone First Financial, “How long will these low-interest rates last?” Contact Mark Livingstone today at 866-625-1221 or email mark@cornerstonefirst.com. Request a free rate quote now! CLICK HERE TO REQUEST A QUOTE or contact us by completing the form here:
Sean Hannity recommends Cornerstone First Financial for all your home mortgage loan needs! Call Mark Livingstone today for a free mortgage loan rate quote at 866-625-1221. Be sure to mention Sean Hannity! Fueled by the lowest rates mortgage history the medium price of a single-family home has increased 15%. With the rise in equity, it…
Cornerstone First Financial has been a long-time sponsor of The Don Kroah Show. We are so proud of our partnership and support in their mission. Tune into Mark Livingstone on The Don Kroah Show providing monthly mortgage updates and trends. Mark Livingstone also answers all your mortgage questions live on The Don Kroah Show!! ABOUT…
Johanna should be rewarded for the service she provided us in obtaining our refi loan. From the moment I first called Cornerstone on May 13th, to the signing of the documents yesterday, she went above and beyond the call of duty in making the process as smooth and painless as possible. We previously had a…
Sean Hannity recommends Cornerstone First Financial for all your home mortgage loan needs! Call Mark Livingstone today for a free mortgage loan rate quote at 202-625-1221. Be sure to mention Sean Hannity! Contact Mark Livingstone today at 866-625-1221 or email mark@cornerstonefirst.com. Request a free rate quote now!
Do you need a reason to SMILE? Thanks to our friends at WGTS 91.9 FM, we are excited to present the “Reasons for Joy Tour” featuring Sidewalk Prophets! Join us on Friday, March 26th at 6:30 PM from the comfort of your favorite chair or couch for this special one-night-only virtual event LIVE from Nashville…
“We wanted to refinance our house mortgage and were searching online for good mortgage lenders. Whilst listening to WGTS 91.9 FM, I was made aware that Cornerstone First Financial was sponsoring some of the programs for WGTS. I looked up their website and made contact with Doug Rice. I can truly say it was indeed…
Mike O’ Meara: “If you have a rate of 3.25% or higher, you need to call my friend and mortgage broker, Mark Livingstone at Cornerstone First Financial to refinance your home mortgage loan today!” Be like Mike and let Mark at Cornerstone First Financial help you with your next home mortgage loan for a…
Is your monthly mortgage payment too high? With interest rates at a record low and minimal inventory in many markets, homeowners (or those looking to become homeowners) are expressing an interest in the average mortgage payment in their state and how their current mortgage payment compares. See how your mortgage payment compares to state averages…
WGTS and Cornerstone First Financial present the Tysons Corner Center VIRTUAL Summer Concert featuring Matthew West! Just when you thought everything was cancelled…WGTS and Cornerstone First Financial are partnering up to present The Tysons Corner Center VIRTUAL Summer Concert featuring Matthew West! You’re invited to pull up the most comfortable seat in your house…
Larry O’ Conner shares his experience on the closing of his new home and his mortgage loan Cornerstone First Financial with his WMAL Listeners: “My home purchase was such a great experience with Cornerstone First Financial! I turned to Mark Livingstone and the incredible team at Cornerstone First Financial, and should do the…
Don Kroah: “As the world & states start to open, we’re seeing signs of stabilization in the housing & mortgage market. It is now more important than ever to work with a company you trust with your mortgage loan and I trust the team at Cornerstone First Financial and Mark Livingstone. As guidelines, programs,…
The availability to take out a mortgage loan has fallen to a 6 year low, as lenders have recently reduced programs and raised minimum credit requirements in an effort to offset potential losses from the Coronavirus/COVID-19 pandemic. It is now more important than ever to work with a team that you can trust and…
For now, U.S. mortgage rates are holding steady, keeping loan costs near a record low. With 35 million people unemployed and not knowing what the future market holds, NOW is the time to get a cash-out refi mortgage loan. Stop overpaying on your mortgage. Rates are still low. Now is the time to refinance.…
Mike O’Meara: “Cornerstone First Financial has emerged as a leader and educator in the mortgage industry!” “Cornerstone First Financial has emerged as a leader and educator in the mortgage industry and they are committed to keeping up with the latest changes and working with you to make sure you get the best rate and…
“In these uncertain times, try to find joy in whatever the journey, then share moments of that journey. God wants us to share our journey so that we may be able to help one another.” ~ Mark Livingstone CORNERSTONE FIRST FINANCIAL 2300 Wisconsin Avenue, NW, #100B Washington, DC 20007 202.625.1221 mark@cornerstonefirst.com | Twitter:…
Whether you’re planning to buy a home or you’re already a homeowner looking for a cash-out refinance, it’s important to work with trusted experts!!! Hey, it’s Larry O’Connor and I recommend you put your trust in my friend, Mark Livingstone and the mortgage experts at Cornerstone First Financial. Mark and the Cornerstone First team…
MARK LIVINGSTONE, Cornerstone First Financial “The Voice” of the Mortgage Industry in the DMV After years in the industry and recognizing a need for an ethics driven mortgage lender, Mark Livingstone started Cornerstone First Financial in 2001. Cornerstone First Financial is unique due to its platform in radio and podcasts. Starting on radio prior…
Mike O’Meara: “It’s more important than ever to work with someone you trust!” “Due to the coronavirus (COVID-19) and market instability, mortgage interest rates are now coming off their all-time lows, so it’s more important than ever to work with someone you can trust. Call my friends at Cornerstone First Financial! I know them,…
Mark Livingstone, President of Cornerstone First Financial discusses mortgage interest rate fluctuations post Trump announcement on the coronavirus stimulus plan with John Fredericks and Joe Morrissey. Let Mark Livingstone of Cornerstone First Financial help you with your next home mortgage loan for a purchase or refinance. Call Mark at (866) 625-1221 for…
Mark Livingstone, President of Cornerstone First Financial discusses the Fed’s response to coronavirus, what that means for consumer rates, and how the COVID-19 pandemic is causing a flood of refinance applications, overwhelmed lenders and may be causing investors in mortgage-backed bonds to back off. Let Mark Livingstone of Cornerstone First Financial help you with…
We’re still so thrilled about our sponsorship on The John Fredericks Radio Network! “If your New Year Resolution is to buy a home listen up! Housing affordability is at a record high. Right now, it’s cheaper to buy a home than rent. That’s right, with the historically low-interest rates and the…
Nicole Reynolds joins Cornerstone First Financial, a DC-based mortgage lender licensed in the DMV as well as CA, GA, FL, PA & CO. Nicole is a graduate from the University of Maryland and comes from a background in hospitality and will be integral to the growth of the lending department as well as assisting in…
Tammie Griffiths worked tenaciously, patiently, tirelessly and endlessly to provide top-notch customer care! Thank you Cornerstone First Financial for a phenomenal mortgage and home buying experience. My loan officer Tammie Griffiths worked tenaciously, patiently, tirelessly and endlessly to provide top-notch customer care. Coincidentally, we have the same first name which made it an even…
We’re still thrilled about our sponsorship on The Mike O’ Meara Show. If you’re interested in a home loan for a new home purchase or refinance, including cash-out refinance, NOW is the time!! Rates are under 4% today!! Be sure to mention Mike O’ Meara in your loan application process and receive your appraisal…
For the first time since WWII, mortgage rates AND unemployment are both below 4%. Cornerstone First Financial may be able to help remove PMI or help to refinance to a lower rate. Give Cornerstone First a call today at 202-625-1221 or go to www.CornerstoneFirst.com #mortgage #homeloan #FHAhomeloan #VAhomeloan #refinance #refi #interestrates #realestate #mortgagerates We are…
Devoted to clients. Outstanding customer service. Understands our needs… Devoted to his clients. Outstanding customer service. Understanding our needs. Great guy all around. That’s Doug Rice. He was always willing to take our calls and answered any questions we had. We would recommend him and Cornerstone First Financial in a heartbeat (and actually already…
Congratulations to Scott and Annabella Allmond on the purchase of their new home in Silver Spring, Maryland. It was great to work with KVS Title and Jeremy DeBoe and Theresa Taylor Keller Williams too. We are excited to be in the business of helping families achieve their dreams of homeownership. We are top rated…
Learn more about the most recent interest rate drop and tappable home equity in today’s mortgage market. Nearly EVERYONE nationwide could benefit from refinancing their mortgage right now! Rates are at the lowest level in 3 years. If you are in the market to buy a home or refinance – now is the time to…
WASHINGTON DC, SEPTEMBER 26, 2019 – Cornerstone First Financial is pleased to announce that the company will be the exclusive preferred lender for Bloom Residential in Washington, D.C. Bloom Residential is a Washington, D.C. based real estate development firm with the core objective of creating seminal buildings through uncompromising dedication to design. Bloom’s Rose…
What our clients say about Cornerstone First: Kofi Darfoor Is Very Detailed… Kofi Darfoor is very detailed. He explained every step of information provided and made sure that you really understood before he moved to the next step. Keep up with the good job! ~ Kwabena Agyei Read more client testimonials at https://www.cornerstonefirst.com/testimonials. We…
Something fabulous is happening in DC this month and we would love for you to join us! On September 26, 2019, Cornerstone First Financial will be at HeArt & Sole, volunteering to help Central Union Mission provide #onemillionmeals for DC people experiencing homelessness. At 7:00 pm at the National Housing Center, the city’s most…
What our clients say about Cornerstone First: Everything Went So Smoothly and Easily… Top notch service. Doug Rice was very knowledgeable, honest and on top of things! I was very nervous when I first called for my refinance, but he quickly made me feel at ease. Everything went so smoothly and easily. I thank…
With the most recent interest rate drop, over 8 million homeowners can now qualify for a refinance that could save at least 3/4 percent on your current home mortgage interest rate. Watch this video, then contact Mark Livingstone at Cornerstone First Financial at 202-625-1221. As a lender and mortgage broker, Cornerstone First Financial…
Mark Livingstone, President and CEO of Cornerstone First Financial discusses the drastic mortgage rate drop happening now. Learn more about these very low mortgage interest rates and how homeowners and buyers will benefit from lower interest rates. When you are ready to purchase a new home or refinance your mortgage, give Mark Livingstone…
Suddenly, mortgage broker Mark Livingstone is working weekends and spending his meager free time reading resumes because he needs help handling the crush of mortgage refinancing applications. Rates for 30-year mortgages are at their lowest since late 2016, sending many previously hesitant homeowners to their brokers. Under normal circumstances, new-home purchases make up 70%…
You paid attention to the things that were important to me from the beginning and did not fail to provide the service promised. Dear Tammie, I wanted to thank you for such a professional, successful, efficient and swift processing on the refinancing of my home. You paid attention to the things that were important…
Cornerstone First Makes the Dream of Homeownership Reality! Cornerstone First Financial serves Washington DC, Maryland, Virginia, Colorado, Florida, Georgia and California for home loan, refinance and debt consolidation. We are the first answer for families and individuals seeking to make their lives better through homeownership and mortgage refinance. We provide a wide array of…
They Were Diligent Throughout The Whole Process! We are so appreciative of how easy Cornerstone and their entire team made the mortgage process. They were quick to respond to questions, explained all the details effectively, and were diligent throughout the whole process! ~ Amy Burmeister Read more client testimonials at https://www.cornerstonefirst.com/testimonials. We are excited…
A Team of Professionals Who Have High Standards, Strong Integrity, and a Clear Moral True North Serving clients well requires a team of professionals who have high standards, strong integrity, and a clear moral true north – all of which are plainly seen in all of my interactions with Cornerstone First Financial. Every time…
They Made Our Dream of Purchasing Our Forever Home Come True! Tammie Griffiths and the Cornerstone First Financial Team made our dream of purchasing our forever home come true! Tammie is wonderful, kind, communicates fast and professionally. She was extremely knowledgeable about the home buying process & answering every single billion questions that we…
What our clients say about Cornerstone First: Thanks A Lot Chris Swope and Cornerstone First Financial for Making Our Dream Reality! I met Cornerstone First via Leia who is my real estate agent. She advised me to use Chris because she had been doing business with him for years. I was hesitant but when…
What our clients say about Cornerstone First: Grateful For Their Professionalism, Knowledge, Kindness, and Honesty As a professional real estate agent I know what to look for in a lender, and how to spot a poser. Cornerstone First is the real-deal. In particular, Doug Rice has been a tremendously valuable resource for my clients.…
“I’m sure you’d agree that buying or refinancing a home can be intimidating and get it done at the best possible rate and that’s where Mark Livingstone at Cornerstone First comes into place. I’ve known Mark for years and I know the important qualities he and his team possess at Cornerstone First. Integrity,…
What our clients say about Cornerstone First: Grateful For Their Professionalism, Knowledge, Kindness, and Honesty A friend refinanced with Cornerstone and recommended I contact Mark. I was able to purchase my house without selling my other property first. I went to closing in 3 weeks. I got a very competitive fixed rate on the…
With the tariffs and trade wars monopolizing the headlines, one bit of news that’s kept low on the radar is the dramatic drop in mortgage interest rates. As investors flock to the security of bonds, interest rates have driven lower and lower, all to your benefit so whether you’re buying a house or…
I Was Nervous Because of My Financial Situation…But They Made It All Happen! Cornerstone First Financial did an awesome job getting me a mortgage to buy my first home. I was nervous during the whole process because of my situation, but they made it all happen. I thought it was impossible for me to…
Could Not be Happier with the Way They Handled My Co-op Loan… Excellent company! Mark and Emily are extremely professional, attentive, forthcoming and go out of their way to handle your needs quickly and efficiently. Could not be happier with the way they handled my coop loan. 5/5. ~ Kemen Linsuain Read more client…
Cornerstone First Financial is now offering co-op mortgages. A co-op or cooperative mortgage is a type of loan that allows the borrower to purchase shares of a housing cooperative. In this type of mortgage, a corporation retains ownership of the property, and residents use their purchased shares to remain in the property. Depending on the…
Mark genuinely seemed to care about my concerns and overall home buying experience…they found me a great interest rate, beating out my credit union and several other mortgage brokers… I did not want to buy a home, largely because I was intimidated by the process. Thankfully, a friend recommended Mark and his team at…
Cornerstone Made Getting a Mortgage as Painless as Humanly Possible… Cornerstone First Financial, specifically Johanna and Emily, made getting a mortgage as painless as humanly possible! It is nice to deal with a small team of people to the point where you can develop a personable working relationship. ~ Jennifer Rzonca Read more client…
We’ve just seen the largest single drop in mortgage interest rates in over a decade – allowing nearly 5 million homeowners to save money on their mortgage. In fact, mortgage refinance applications have reached their highest level in three years, as interest rates plunge in the aftermath of the most recent fed meeting.…
Their Customer Service Made It a Seamless Process… Cornerstone found every reason for me to go with them and not with anyone else. I shopped for interest rates for about 2 months via Zillow, PenFed, Navy Fed, USAA, and others. I say all this because this is my 3rd home purchase and Cornerstone, specifically…
My Experience with Cornerstone was Phenomenal and Worry-Free… Cornerstone First Financial is a top notch company. From beginning to the end, Mark Livingstone was very professional and attentive. Emily was so efficient and provided updates and timely information at all times. My experience with Cornerstone was phenomenal and worry-free. ~ Paul Chon Read more…
Cornerstone First Financial has helped hundreds of retired military members and their families with their easy process for VA Loans! This retired Military Member and State Department employee built their new home in Maryland! As a lender and mortgage broker, Cornerstone First Financial has the resources available to help you with your mortgage loan needs.…
Are you looking to buy your first home or a new home? Most people who buy a home will need a mortgage. Below are some of the most frequently asked mortgage questions. How do I start the mortgage process? Start off by doing some research. Check online how consumers shop for mortgages. Start with a…
After years in the industry and recognizing a need for an ethics-driven mortgage lender, Mark Livingstone started Cornerstone First Financial in 2001. Cornerstone First Financial is unique due to their platform in radio and podcasts. Starting on radio prior to the implosion in 2006 and now on over seven stations, Mark learned the trade through…
Cornerstone First was a HUGE Help! Cornerstone First Financial was a HUGE help to us in getting the refinance process completed. Doug Rice and his team were friendly, courteous, and really acted in our best interest. We ended up with cash out and were able to get a better overall deal on our mortgage.…
Nick Badalian’s passion for helping people doesn’t stop at finding families a home. Nick Badalian is also a full-time firefighter for the Montgomery County Fire Department. Most of Nick’s clients don’t know he works about 48 hours a week at the firehouse. Throughout his fire-fighting career, Nick has delivered babies, pulled people from buildings, and…
Listen to Mark Livingstone on the John Fredericks Show. As a lender and mortgage broker, Cornerstone First Financial has the resources available to help you with your mortgage loan needs. Call Cornerstone First Financial now at 202-625-1221 for the absolute lowest rate guaranteed or complete the form below to contact us today: About the…
After 16 wonderful years with the Cabin John Park Volunteer Fire Department in Bethesda, I have recently made the decision to join the Rockville Volunteer Fire Department. I’ve been the Monday night Sergeant at Cabin John VD for many years and I have also served different capacities on the B.O.D including Treasurer for the eight…
Happy Thanksgiving! Firefighter’s Helping Firefighters founders Nick Badallian and Mark Livingstone are reminded about Thanksgiving with family and community. After recently attending Chief Hinde’s retirement party, we realize more than ever how close we are as firefighters…we are like family. Here are photos of Chief Alan Hinde’s retirement party. Chief Hinde has been the Division…
Did you know that according to the federal government having as little as $20,000 in revolving monthly bills meets the definition of excessive debt and that the latest numbers indicate as many as four out of five Americans fall into this category? With a massive rise of equity and homes across the country…
Firefighters Helping Firefighters and Hometown Heroes work together to save our community heroes thousands of dollars when buying and financing their homes! Firefighter Helping Firefighters honors our nation’s veterans and military families by helping them save THOUSANDS of dollars on a home purchase with Nick Badalian of Firefighters Helping Firefighters and Hometown Heroes! If you…
Firefighters Helping Firefighters and Hometown Heroes work together to save our community heroes thousands of dollars when buying and financing their home! Anne Arundel County Air Force Service Member and his family saved THOUSANDS of dollars on a new construction home in Anne Arundel County, Maryland with Nick Badalian of Firefighters Helping Firefighters and Hometown…
At Cornerstone First Financial, we speak to thousands of customers daily who have asked, “Did I miss the train on low-interest rates?” While economists do predict the rates will rise this year by at least one percentage point, it’s not too late to get on board and save with a low 30-year or…
Are you thinking about buying a new home, saving money by refinancing, or consolidating debt but your credit score isn’t really where it should be? If so, take some advice from Chris Plante and call Mark Livingstone at Cornerstone First Financial! If you don’t have a credit score of 680 or higher, the…
Firefighters Helping Firefighters and Hometown Heroes work together to save our community heroes thousands of dollars when buying and financing their home! Montgomery County Paramedic, Nicholas D. of Anne Arundel County, Maryland saved $2,874 with Nick Badalian of Firefighters Helping Firefighters and Hometown Heroes! If you are a Firefighter, First responder, Law Enforcement Employee, Military…
Firefighters Helping Firefighters and Hometown Heroes work together to save our community heroes thousands of dollars when buying and financing their home! Montgomery County Paramedic, Rob H. of Parksville, Maryland saved $2,300 with Nick Badalian of Firefighters Helping Firefighters and Hometown Heroes! If you are a Firefighter, First responder, Law Enforcement Employee, Military Service Member…
So you’re thinking of buying a new home or you’re looking to save money by refinancing and consolidating debt…but your credit score isn’t really where you would like it to be? Without a credit score of 680 or higher, the big banks and quick online mortgage firms really won’t work with you. …
Firefighters Helping Firefighters and Hometown Heroes work together to save our community heroes thousands of dollars when buying and financing their home! Retired Montgomery County Firefighter, Mark H. of Frederick, Maryland saved $1,900 with Nick Badalian of Firefighters Helping Firefighters and Hometown Heroes! If you are a Firefighter, Law Enforcement Employee, Military Service Member (&…
Personal Touch Throughout The Entire Loan Process Cornerstone First Financial is second none! With Cornerstone First, you get a personal touch throughout the entire loan process. I had the pleasure of working with Kofi, he was able to get me a great loan at an unbelievable rate. They are very responsive and accessible, unlike…
Hometown Heroes and Firefighters Helping Firefighters work together to save our community heroes thousands of dollars when buying and financing their home! This family saved over $2,600 when they worked with Nick Badalian at Fathom Realty through Hometown Heros. If you are a Firefighter, First responder, Law Enforcement Employee, Military Service Member (and Veteran), Medical…
Although no one wants to contemplate a cherished home being destroyed by fire, it’s an important topic to address — with emphasis on prevention and preparation. A home free from fire hazards. Fire prevention is the first priority. Never allow flammable materials to be stored near heat sources such as water heaters, furnaces, fireplaces and…
Post-traumatic stress disorder (PTSD) is a familiar condition these days, primarily associated with military personnel returning from war zones. However, in a new precedent, an appeals court in Illinois recently ruled that a fire official should receive workers’ compensation for PTSD, and many public safety officials are trying to develop a more comprehensive understanding of…
Stockton Fire Department released remarkable body cam footage showing firefighters battling a house fire and rescuing a caged dog who was trapped as flames approached. Firefighters were called out to the fire at a 2-story home on Chatsworth Circle on June 30, 2018. When crews arrived, the house was engulfed in flames and thick smoke…
Did you know that 85% of people looking to purchase a home call a real estate agent prior to getting approved for a mortgage? That’s like buying a car without a driver’s license, it just doesn’t make sense! Give Cornerstone First a call today to get pre-qualified for your home purchase. We are…
Unless you believe the fake news or the mainstream media, you know that the United States’ economy is on fire and setting all sorts of records with unemployment dropping, stocks soaring, and the new tax plan taking place. “For example, with interest no longer deductible on home equity loans and home values rising…
A recent fed decision to continue raising interest rates, coupled with strong economic growth, has led to a wave of people coming off the sidelines and entering the home purchase market. “We haven’t seen this kind of competition among home buyers in over 10 years!” What is this mean to you? When purchasing…
PEOPLE ON THE MOVE IN WASHINGTON, DC: MARK LIVINGSTONE After years in the industry and recognizing a need for an ethics-driven mortgage lender, Mark Livingstone started Cornerstone First Financial in 2001 out of his 1 bedroom condo in Bethesda. Cornerstone First Financial is unique due to their platform in radio and podcasts. Starting on radio…
Did you know that homeowners now control $14.4 trillion dollars in tappable home equity? This rise in appreciation has led to record numbers of people using their homes as ATMs. With the elimination of some HELOCs being tax-deductible, credit card debt on the rise, and interest rate increases moving, NOW is the time…
Mark Livingstone on Twitter: “Great news for buyers and sellers! #RealEstate” In today’s housing market, where supply is very low and demand is very high, home values are increasing rapidly. Many experts and appraisers are projecting that home values could appreciate by another 5% (or more) over the next twelve months. One major challenge in…
Mark Livingstone on Twitter: “At Cornerstone First Financial, we offer bank statement programs where we average together all the #mortgage applicant’s deposits over the last 12 or 24 (depending on credit score) months & use that as income in order to service the “gig” #economy #modernmortgages #housing” Fannie Mae and Freddie Mac are trying to make mortgages accessible…
Mark Livingstone on Twitter: “Mortgage rates go up like a rocket, but come down like a parachute, no worry here, with low inventory and record appreciation there are those that will be taking out #mortgage loans #RealEstate” Mortgage rates this week jumped to their highest level since 2011, signaling a shift from a period of…
Cornerstone First Financial is excited to announce their sponsorship with the Hey Frase Podcast in Washington D.C. DCist named Hey Frase one of D.C.’s 11 Best Podcasts For Locals. Hey Frase features media personality Sarah Fraser and her friend Paul Wharton, weekly in the Nation’s Capital. Funny, enlightening, and pop-culture driven, the show aims to entertain…
ICYMI: Mark Livingstone, President and Owner of Cornerstone First on The John Fredericks Show. Mark Livingstone, President of Cornerstone First Financial and John Fredericks discuss the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. (more…)
ICYMI: Mark Livingstone, President and Owner of Cornerstone First on The John Fredericks Show. Mark Livingstone, President of Cornerstone First Financial and John Fredericks discuss the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. (more…)
ICYMI: Mark Livingstone, President & Owner of Cornerstone First on The John Fredericks Show. CLICK HERE TO LISTEN TO THE JANUARY 2018 UPDATE Mark Livingstone, President of Cornerstone First Financial, discusses the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. The John Fredericks…
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ICYMI: Mark Livingstone, President & Owner of Cornerstone First on The John Fredericks Show. Mark Livingstone, President of Cornerstone First Financial, discusses the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. The John Fredericks Show broadcasts live weekdays from 6-10am on WHKT AM 1650…
ICYMI: Mark Livingstone, President & Owner of Cornerstone First on The John Fredericks Show. CLICK HERE TO LISTEN TO THE NOVEMBER 2017 UPDATE Mark Livingstone, President of Cornerstone First Financial, discusses the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. The John Fredericks…
Cornerstone First Financial is proud to announce their media partnership with Santana Moss and 106.7 The Fan in Washington, D.C. 106.7 The Fan in Washington, D.C. is the radio station for D.C. sports fans. Listen to Cornerstone First Financial’s radio advertisement on 106.7 The Fan and take advantage of Mark Livingstone’s “Meet or Beat” rate…
ICYMI: Mark Livingstone, President & Owner of Cornerstone First on The John Fredericks Show. CLICK HERE TO LISTEN TO THE JULY 2017 UPDATE Mark Livingstone, President of Cornerstone First Financial, discusses the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. The John Fredericks…
Cornerstone First Financial Signs Santana Moss as Spokesperson for Mortgage Loan Services FOR IMMEDIATE RELEASE: @cornerstone1st @EIGHTTODANINE WASHINGTON DC, May 25, 2017 – Cornerstone First Financial announced today that Santana Moss has signed an endorsement deal to represent Cornerstone First Financial and their mortgage loan services. Moss will appear in multiple marketing campaigns, advertisements and…
Cornerstone First Financial is happy to announce a partnership with The Mike O’ Meara Show in Washington D.C. The Mike O’Meara Show is a fun mash-up of real life, pop-culture, news of the day, dynamic audio clips, and three guys have a good ole’ time. Listen to The Mike O’ Meara Show every Monday through…
So you want to refinance, but mortgage rates are rising. Don’t worry, you haven’t missed the boat on your refi opportunity. Mortgage rates are still historically low, and they aren’t expected to exceed 5% in 2017, according to many economists and mortgage analysts. Here are eight tips to help you successfully refinance your mortgage as…
ICYMI: Mark Livingstone, President & Owner of Cornerstone First on The John Fredericks Show. CLICK HERE TO LISTEN TO THE MARCH 2017 UPDATE Mark Livingstone, President of Cornerstone First Financial, discusses the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. The John Fredericks…
The combination of increased longevity and declines in the coverage of defined benefit pension plans means that retired homeowners increasingly risk running out of money because they live too long. Those who have significant equity in a home, however, can reduce or eliminate the risk if they use their equity wisely. This article will compare…
A mortgage rate lock helps protect home buyers from fluctuating mortgage rates as they’re getting ready to buy a home. It locks in the interest rate for a loan for a certain period of time until the buyer makes it to closing. By locking in a rate, buyers will know what to expect and won’t…
Buying a home is now more affordable than renting in most places, but there could be changes on the way. According to the ATTOM Data Solutions 2017 Rental Affordability Report, which analyzed data from 540 counties nationwide, buying a home is the more affordable housing option in 66 percent of the markets, up from 58…
A refinance could cut your monthly mortgage payment, but that doesn’t necessarily mean it’s the right move. Even though rates spiked after the election and may rise further, there are about four million borrowers who will still benefit from refinancing, and of that, two million borrowers could save $200 or more per month by refinancing.…
Mark Livingstone, President and Owner from Cornerstone First Financial live from the temples of Abu Simbel (أبو سمبل), near Nubia, Egypt. Mark Livingstone from Abu Simbel ( أبو سمبل ) Mark Livingstone from Abu Simbel ( أبو سمبل ) Posted by Cornerstone First Financial on Monday, March 28, 2016
Following the Footsteps of Moses Pastor Lon and Mark Livingstone (descendant of David Livingstone, the missionary to Africa!) share their experience at the base of Queen Hatshepsut's Temple at the Valley of the Kings, Luxor, Egypt. Posted by McLean Bible Church on Monday, March 7, 2016 Pastor Lon and Mark Livingstone (descendant of David…
ICYMI: Mark Livingstone, President & Owner of Cornerstone First appears on the Saturday Morning Update on WMAL with Rick Fowler. About Saturday Morning Update Join nationally-recognized experts with candid commentary and analysis of the latest news stories affecting you and your future. Fox News analyst K.T. McFarland covers the latest developments on national…
Will Originate Home Mortgage and Home Equity Loans in Florida FOR IMMEDIATE RELEASE: WASHINGTON DC, January 13, 2016 – Following over 15 years of success and achievements as a leading mortgage broker in the Washington D.C. Metropolitan Area, Cornerstone First Financial, a Christian owned company providing residential mortgage solutions to individuals and families who…
ICYMI: Mark Livingstone, President & Owner of Cornerstone First on The Don Kroah Show on WAVA 105.1FM / AM780. Part 1: Part 2: Mark Livingstone, President of Cornerstone First Financial, recaps the mortgage market for 2015 and projects for 2016 on the Don Kroah Show. The Don Kroah Show is one of the longest running…
CORNERSTONE FIRST FINANCIAL: FED RATE INCREASE IS EMINENT BY END OF 2015 Mark Livingstone, President of Cornerstone First Financial, recaps mortgage market landscape for 2015 and outlines the projected fed rate increase that is eminent by end of 2015 on the John Fredericks Show. The John Fredericks Show broadcasts live weekdays from 6-10am on WHTK…
The Consumer Financial Protection Bureau (CFPB) issued a new rule that combines mortgage disclosures previously established by the Truth-in-Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA) into a single rule effective October 3, 2015. New home buyers, listen to this important update and information.
Mark Livingstone, President and Owner of Cornerstone First Financial on The Don Kroah Show on WAVA 105.1 FM / AM 780 on September 9, 2014 discussing the state of the mortgage market, new home loan programs and the house and real estate landscape. Cornerstone First Financial serves Washington DC, Maryland and Virginia. We…
A good local school can be one of the biggest drivers of home prices in a community. Peter and Megan Dale of San Francisco say their two-bedroom condominium in Cole Valley, just south of the Haight-Ashbury District, is starting to feel cramped; their two school-aged children share a single room. But they have no plans…
Jumbo borrowers rushed into interest-only mortgages during the housing run-up; now many face loans entering their principal-repayment period Jumbo-mortgage borrowers feasted on interest-only loans during the housing boom, enticed by low down payments and monthly outlays. But a monthly sticker shock could be ahead for these borrowers. During the peak of the housing boom, from…
Mark Livingstone, President and Owner of Cornerstone First Financial on The Don Kroah Show on WAVA 105.1 FM / AM 780. Cornerstone First Financial serves Washington DC, Maryland and Virginia. We specialize in home refinance loans, home equity loans, purchase loans and debt consolidation loans. CONTACT US to discuss your mortgage loan…
Once their grown children had moved away from the family home, John Goodman, 65, and his wife, Donna, realized they were ready to move on as well. “We had an old 1940s, beautiful home, but we just didn’t need it anymore, and we didn’t need the taxes and the maintenance that went with it,” says…
After year of struggles, the housing market roared back to life in 2013. The rebound will continue in 2014, but the pace will slow. Experts say 2014 will be a year of continued growth and stabilization in the housing market with rising home prices, fewer foreclosures and greater activity among underwater homeowners. But this year’s…
Search-engine giant Google wants to help make homes smarter and more connected, and took another step at that by by announcing its acquisition of connected device maker Nest Labs. Google announced it will pay $3.2 billion in cash to acquire Nest Labs, a company that develops “smart” home appliances such as thermostats and smoke detectors…
Private mortgage insurance is slowly starting to creep back into large home loans, adding a new fee for some wealthy borrowers. Traditionally, this insurance is sold to buyers who make small down payments, typically less than 20%, and is designed to protect lenders if a borrower defaults. The policies were widely used during the housing…
Move Can Help Retirees Keep Investments Until Right Time to Sell Reverse mortgages aren’t just for people struggling to keep their homes anymore. The loans also can work for well-heeled retirees looking for a buffer to keep them from selling investments at the wrong time, according to academic researchers. And Congress last month gave…
The government’s Home Affordable Refinance Program (HARP) has helped millions of homeowners save money on their monthly mortgage payments, and it might help you, too — even if you owe more on your loan than your home is worth. But what if you have a “piggyback” loan — a second mortgage that you took out…
Veterans Affairs-backed mortgages are booming, and more important than ever, in today’s strict lending climate. If you even think you might be eligible for this benefit, it’s worth doing a little research to determine your eligibility. Even if you aren’t personally eligible, you probably know someone who is and who can therefore benefit from this…
Outlining a reverse mortgage scenario in which a couple uses a reverse mortgage in order to buy a second home, columnist Tom Kelly shows the merits of using a reverse mortgage to purchase a new retirement home, rather than the traditional “age in place” use of the loan. “While the proceeds of a reverse mortgage…
According to the Mortgage Bankers Association, overall applications were down by just 0.4 percent during the week ending September 27. Not surprisingly, refinance applications were higher last week as mortgage rates have found additional room to fall following the Fed’s inaction last month. Refinance applications increased by 3 percent last week, bring the share of…
October 18, 2013 – Mark Livingstone, President & Owner of Cornerstone First Financial and John Fredericks discuss how the government shutdown has effected the mortgage market, what raising the debt ceiling til January 15, 2014 may mean for the market, government mortgage programs and interest rates. Click HERE for interview. The John Fredericks Show is…
For home buyers and refinancing households, low mortgage rates have presented a second opportunity to capture low housing payments. Today’s low mortgage rates can help your budget and help you save. Whether you’re buying a home or refinancing, you’ll be surprised at how low today’s rates really are. Request a quote today. It’s fast, it’s…
The government shutdown may force the housing market to a near-standstill, simply because of a clog in the paperwork. Although initially it seemed the housing market would be largely unaffected by the government shutdown, lenders are hitting a roadblock that could cause major headaches in the mortgage market. The IRS is closed, and that means…
The U.S. economy grew at a 2.5 percent annual rate in the second quarter, faster than initially estimated, as American companies exported more and consumers bought fewer imports than the government had calculated last month. The number was revised up from the government’s initial announcement that the economy had grown at a 1.7 percent annual…
More jobs and easier loan terms will boost demand for new mortgages in the second half of this year as homebuyers shrug off higher interest rates, according to a Fannie Mae forecast. Lending for mortgages to purchase homes will increase 21 percent for the final six months of 2013 to $341 billion from $282 billion…
The White House released a raft of evidence touting California’s housing recovery due to policies adopted since Obama took office in 2009, including: • As of May, 369,000 homeowners had refinanced their mortgages at lower rates through a program aimed at preventing foreclosures. • As of June, 294,000 homeowners had modified or were modifying the…
Prices expected to balance out month to month Those fearing the housing bubble apocalypse can finally breathe — it looks like home prices may begin to move laterally on a month-over-month basis moving forward. While the median cost per square foot rose 14.9% year-over-year in July, inventory fell by almost 16% in the same period.…
President Obama has unveiled his second-term housing agenda, which includes initiatives to support current homeowners, families hoping to buy their first home and the one-third of American households that rent. The plan has six basic pillars: Help more homeowners refinance to today’s low interest rates; Clarify and streamline regulations to help more creditworthy homebuyers get…
Owning a house was an intimidating prospect for me, but when the opportunity to buy came along, I just couldn’t pass it by. Shortly after graduating from the University of Arizona, I got a job as a purchasing agent, earning more than I ever had before. Soon after I stumbled upon a cozy house with…
Sales of existing homes rose 6.5 percent in July and were up 17.2 percent from a year ago, though the National Association of Realtors warns rising mortgage rates could slow the pace of sales. Still, existing home sales have come in above year-ago levels for 25 straight months now. “The initial rise in interest rates…
Borrowers qualify despite past foreclosures Potential homeowners who fell on hard times during the recession are being offered a lifeline back into the housing market, via the Federal Housing Administration. According to a letter sent to mortgage lenders, the FHA said it would offer mortgage insurance to borrowers who, during the recession, filed for bankruptcy…
CoreLogic’s monthly Market Pulse Molly Boesel looks at the influence interest rates, which have risen by a little over 100 basis points from May to August, may have on mortgage refinancing. Her article “Rising Rates Cooling Refinance Activity” notes that the recent increase was the largest rise in the 30-year rate since mid-2004. What, she…
Underwater borrowers, distressed sales still linger in regions The housing market shifted to recovery mode this past year, with home prices on the rise and foreclosures falling closer to pre-crisis levels, RealtyTrac claims in a new report. More than 75 of the largest metropolitan areas across the nation posted a housing recovery index of more…
A Logan Circle office building that has served as the headquarters for the National Alliance of Postal and Federal Employees is being primed for conversion into residential units. The Fortis Cos., a D.C.-based real estate firm formed earlier this year, recently paid $5.5 million for the building at 1628 11th St. NW and is putting…
Maintaining a home is like eating a healthy diet. Everyone knows there’s a whole list of things that should be done, but nobody really wants to spend the weekend painting the guest room, snaking out a slow sink drain, or cleaning out the gutters. Still, just as some delicious, low-carb dinners are easy to prepare,…
Potential buyers crept back into the U.S. housing market last week as applications for mortgages edged up, even though rates resumed their ascent, data from an industry group showed on Wednesday. The Mortgage Bankers Association said its seasonally adjusted index of mortgage application activity, which includes both refinancing and home purchase demand, rose 0.2 percent…
Here are five ways that mortgage experts say the market is becoming more flexible: 1. Some lenders are easing payment and credit score requirements. Having a modest down payment or a lower than stellar credit score won’t necessarily keep you from buying a home. 2. Piggyback loans are popping up. The term describes two mortgages…
For the past few years, homeowners refinanced simply to lower their rate and their payments. With rates inching up, those prospects are no longer available but interest rate is not the only reason to refinance. I am seeing more homeowners refinance at present rates but including other debts, which offers significant monthly savings. In addition,…
Tax-free savings accounts help Americans stow away money for health care and college tuition. Why not a tax-exempt account for yet another major expense: the down payment on a mortgage? A coalition that includes real estate developers and investors has been floating the idea as part of a package of reforms intended to overhaul federally…
Thank you to my family, friends and community supporters! I’ve spent the past 12 years building a company that I am completely proud of. My company, Cornerstone First Financial, helps families achieve their dreams of home ownership and it’s my pride and joy to help the community in this way. If you have worked with…
On Friday, several U.S. representatives announced the introduction of the bill titled “Homeownership Opportunities Act” (H.R. 2929), for the purpose of bringing a pre-tax savings program to help prospective home buyers save for a down payment more efficiently. Congressman Joe Heck (R-NV) expressed in a statement that as many young home buyers and even families…
Metrostudy, a real estate consulting firm based in Houston, analyzes the health of the residential market in metropolitan areas across the U.S. and issued prescient warnings about the coming housing bust as early as 2004. One of its main analytical tools is what makes Metrostudy interesting: drive-bys. Employees drive through newly built—or still being built—home…
In mid-July, Federal Reserve Chairman Ben Bernanke attempted to soothe the markets’ fears about home loan rate increases. As a result, Bond prices bounced higher from lows not seen in two years, and Stocks traded at all-time highs. Indeed home loan rates have certainly moved up a little, down a little. Bernanke also repeated that…
When Los Angeles resident Jung Lim went shopping for a bigger house for his expanding family, his lender offered him an adjustable-rate mortgage with an interest rate about a percentage point cheaper than a fixed loan. The professor of dentistry figures the money he’ll save makes up for the extra risk. At the height of…
The last full week of July has been a quiet one for mortgage-related news, but next week could be a very different story. In terms of macro-economic developments which could affect mortgage rates, the last one of any significance came on July 16 with the announcement of the Consumer Price Index (CPI) increase for June.…
While rates have increased in the past month, it has caused a number of fence sitters to jump into the mortgage market. While many are prospective homebuyers, some looking to refinance are also exploring their options. First, jumping into the responsibility of home buying should be based on the merits of homeownership not on trying…
Home prices in the 20 biggest cities rose 2.4 percent from April to May, according to the monthly S&P/Case-Shiller Home Price Index, with a 2 percent monthly gain in the Washington market. Compared with May 2012, prices in those same 20 cities rose an average of 12.2 percent, nearly double the 6.5 percent annual gain…
The Federal Reserve said Wednesday it will leave interest rates unchanged and continue to buy $85 billion in bonds every month while the economy continues to improve at a “modest” pace. The Fed will only begin pulling back on its stimulus program if the data points continue to improve. Stocks are off the highs of…