Purchasing a home is one of the most important purchases many people make in their lives. We’d like to help you make this purchase a reality. Our experienced lenders are ready to answer your questions and get you on the path to home ownership. If you are already a homeowner, our home equity loans and lines of credit offer you competitive rates and attractive terms.

As a customer of CornerStone State Bank, you will receive the following services:

  • No application fee
  • Secondary Market home financing (Fixed Rates)
  • Free pre-qualifying
  • Free rate quotes
  • Quick approval times
  • Competitive rates and terms
  • Local processing and closing
  • We have many contacts to other affordable homebuyer programs

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To prepare for your appointment with a mortgage lender, here are a few things to bring:

  • One full month’s recent pay stubs with year-to-date earnings (if self-employed 2 years’ tax returns)
  • The two most recent yearend W-2’s
  • Your two most recent bank statements
  • Your residence history for the last two years
  • Loan and/or credit card information, including name, address and account numbers of creditors
  • Gift Letters if additional monies are needed for closing
  • Construction contacts, plans and specs if a construction is planned
  • Divorce decrees, stipulations, child support if applicable
  • Letter of explanation for adverse credit reports
  • Letter of explanation for gap in employment
  • Purchase agreement
  • Real Estate Tax Statement on property
  • Insurance policy if available