Client Review 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.