Cornerstone Home Lending, Inc.
Client Reviews on Cornerstone Home Lending, Inc.
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I wanted to buy a home for my daughter to live in in Las Vegas. I applied and got approved with underwriting for 300k. I found a house, made an offer that was accepted for 271500. I gave my earnest money of 3000 and paid 500 for an appraisal and 200 for an inspection. Escrow was scheduled to close June 13 2019. On June 11, 2 days before close of escrow, the loan person - Kari Phillips with RateWise - texted me and said she needed to talk to me about some changes to my loan! They completely changed the terms of the loan!!!! They wanted 15% instead of 10. Which made a difference of about 14K. I have it but it's pretty much all I had and didn't want to do it.Kari said they could do the 10% if I had a cosigner. So I asked a person that is a client of my own, young and very wealthy and he so kindly agreed to help out. At that time, escrow had to be extended and I was asked to give up my earnest money. I did not want to sign but we had to cancel everything if I didn't so I was essentially forced to sign in lieu of losing the property all together. My signer is a millionaire so I didn't think there would be a problem with him signing.After 2 weeks of seriously incompetently trying to get financial information from my signer, they decided that even though he had millions of dollars in REVENUE, he didn't show enough personal income to be able to Cosign for me. They NEVER even asked for a bank statement. Only focused on tax returns. He has enough money in the bank to BUY the property outright. I then told them I was willing to give up the 15% to just get this loan closed, by this time I was getting sick in my stomach and experiencing physical symptoms from the stress. I HAVE 15% but was told that it wasn't enough. I needed to also have 6 months of mortgage payments as well as 3 months of RENT as well for reserves. Then she told me that if I had someone on my lease that paid half of my rent the numbers would add up and they would be able to do the loan. My signer was not willing to do that, but my boyfriend said he would. So, he came that day and I put him on my lease of my apartment. I forwarded the new lease to both my agent and Kari Phillips. THAT was also not good enough. I needed to have a separate lease in my name that says I am only responsible for half the rent. This of course is completely unrealistic - what apartment company gives a separate lease for each person living there. There is only one. So that was my last straw. They just would NOT fund a loan that I was already pre-approved for with UNDERWRITING. They took my 3k and refuse to answer in regard to what can be done about it.I lost my 3000 in earnest moneyI lost 500 for the appraisalI lost 200 for the inspection.My daughter, who was supposed to live in the house is now scrambling to find something else because she gave notice at the apartment she is currently living in - with 3 people and ONE lease. She needs to move by August 1st unless they let her reverse her notice.I am also physically ill and emotionally drained from this experience.On top of it all, my credit score is knocked down to below 700 from all the draws and an unfortunate mark that went on right NOW. So I can't even start over or try again for another year or maybe 2. They completely took my opportunity of being a homeowner away and ruined the experience of purchasing a home for my daughter.Buyers BEWARE of Ratewise, Kari Phillips and Cornerstone Mortgage. I would not wish this horrible experience on anyone.If I could leave a 0 I would.
Feedback:
Pierre and Jill helped me to get a loan to buy my house. The experience was far above any expectation I had! I started getting them my paperwork months before I found the perfect home and they guided me the whole way! I always refer Pierre and Jill to all my clients and friends. They are always professional, timely and friendly. Everyone that has had the pleasure of working with them raves about them, including myself!
Feedback:
Pierre LaPres and his team at Cornerstone are as top notch as it gets! I am a Realtor and refer all clients to Pierre. There is no one else I trust to take care of my buyers. I am a repeat client of Cornerstone myself. They respond quickly, they're honest, they're friendly and professional! I would rate them 10 stars if I could!
Feedback:
We love Cornerstone Home Lending! We have had the pleasure of working with Pierre and the crew to secure our first home. They have made the first-time homebuying process super easy for us. They go above and beyond for their customers, and the whole staff is excellent at providing exceptional customer service! They respond quickly and professionally to phone calls and emails. Customers are not just another "number" to them, they strive to get to know you as an individual. Thank you Cornerstone Home Lending!
Feedback:
We have worked with Vicky and Pierre for several years and they deliver a very high level of customer service and competitive rates. Best of all they keep us and our clients updated every step of the way during the loan process. I would highly recommend Vicky Frontiere and Pierre LaPres from Cornerstone Home Lending for any of your loan or refinance needs.
Feedback:
Cornerstone was chosen by the seller to prequalify buyers for a previously foreclosed home that continually fell out of escrow. I was the first to prequalify and another buyer, with a higher offer, was the next to prequalify. Vicky was honest in keeping the order of prequalifications and presenting them to the seller. She was diligent, expedient, and most amicable. I have absolutely zero hesitation in recommending her service, and wish she could process financing for all my properties. Thanks so much Vicky!
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Vicky was very responsive when either my Buyer or myself had any questions or concerns. She was always available to take the call. The transaction went very smoothly. We will definitely work together in the future. :)
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I have been working with Vicky and Pierre for the past 5 years. It is so good to know my clients are in good hands. Their hard work makes me look like a Rock Star!!! YEAH ME, LOL!!!
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I originally found Vicky through Zillow. We saw how many good reviews she got, and we also saw how informative she was on her Facebook page. My wife and I contacted her, and from just the first couple of email exchanges, we could tell that she was going to be great with communication.Throughout the whole process, anytime we had a question about anything, Vicky, Pierre, and their team answered back within minutes. It was such a pleasant surprise to have our first home loan experience be SO good. There were absolutely no delays from Vicky's end, and she had our file ready to wrap up and send to closing within 14 business days! I HIGHLY recommend Vicky and her team!
Feedback:
I recently used Vicky and Pierre to complete a new home purchase. The process was seamless! Vicky is SUPER responsive and we were able to close in less than 30 days. These guys will do whatever it takes to get the job done. I would definitely recommend the Cornerstone team, they are great!!
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