Find your mortgage fit across 17 states, with answers built around you.
Straight answers on VA, FHA, conventional, jumbo, self-employed, and investor loans, from a team that closes the files other lenders hand back. Tell us your situation and we build a real plan around it.
Ten guides. One for your situation.
Each guide goes deep on one kind of buyer or homeowner, in plain English, with no rate bait. Start on the one that sounds like you.
Home Buyer Guide
The full path from budget to keys, and how to tell which loan type actually fits your money.
Open the guide →First-Time Buyer Guide
Down payment help, low-down programs, and the credit and income basics for a first purchase.
Open the guide →VA Loan Guide
Zero-down financing for eligible Veterans and service members, entitlement, and the funding fee explained.
Open the guide →Self-Employed Mortgage Guide
Bank-statement, 1099-only, and asset-based options when write-offs shrink your taxable income.
Open the guide →Jumbo Loan Guide
When a loan runs above the conforming limit, and what reserves and credit jumbo underwriting expects.
Open the guide →Investor / DSCR Loan Guide
Qualify a rental on the property's own cash flow instead of your personal tax returns.
Open the guide →Physician Loan Guide
Low-down financing that treats a signed contract as income and works around student debt.
Open the guide →Buy Before You Sell Guide
Bridge financing that lets you buy the next home before the current one closes.
Open the guide →Divorce & Mortgage Guide
Buying out a co-owner, refinancing off a shared note, and qualifying on one income.
Open the guide →Relocation Mortgage Guide
Financing a move across state lines, timing a start date, and buying before you land.
Open the guide →The person who takes your first call stays with your file. No handoff to a call center.
Real numbers against your real file. If a program is wrong for you, we say so.
VA, FHA, conventional, jumbo, physician, self-employed, and investor loans under one roof.
Send your scenario and our team calls you back within 5 minutes during business hours.
"We'd been turned down twice because I'm self-employed and my tax returns don't show what I actually make. Someone here looked at my bank statements, walked me through the numbers on the first call, and we closed on our house six weeks later. First lender that treated me like a person."
— Homeowner, verified client (name withheld for privacy)
Every borrower's file is different. The programs, income limits, and closing rules shift the moment you cross a state line, which is why our guides speak in national, program-level terms and our team confirms the specifics for your state on the call. You get the same standard in all 17 states we serve: plain English, honest math, and one team that stays with your loan from the first question to the closing table.
No obligation, no pressure, no salesy follow-up queue. Read the guide that fits you, or send your situation and get a straight answer. You decide what happens next.
What clients say
Verified reviews from Mike Certo's experience.com profile — updated automatically.
Frequently asked questions
What states does Loan Experts serve?
Loan Experts, through Cornerstone First Mortgage, is licensed to originate home loans in 17 states. The exact list can grow as we add licenses, so the fastest way to confirm your state is to tell us where you're buying. If we're licensed there, our team calls you back within 5 minutes during business hours to walk through your options.
Do you publish mortgage rates?
No, and that's on purpose. A rate posted in an ad is a teaser tied to a flawless file that rarely matches a real borrower. We quote a real number only after we see your credit, income, and the property, so the figure you get actually applies to you. It keeps the conversation honest from the first call.
How fast will someone contact me?
Once you finish the quick match or send your details, our team calls you back within 5 minutes during business hours. Outside those hours, you'll hear from us first thing the next working day. There's no obligation and no pressure. The call is simply to understand your situation and point you to the right guide or loan.
What types of loans can you help with?
We work across VA, FHA, USDA, conventional, and jumbo loans, plus financing built for self-employed borrowers, physicians, and real estate investors using DSCR programs. If your situation doesn't fit a standard box, that's usually where we do our best work. Tell us what you're trying to do and we'll match you to the right path.
Ready when you are.
Get pre-approved in 24 to 48 hours for a straightforward file, or talk to our team first to figure out which path fits.