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…
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…