Licensing & Disclosures

Loan originator

David Keblaitis

Mortgage Loan Originator, NMLS #167980

7960 Grand River Ave, Suite 110, Brighton, MI 48116

Michigan licensing

Michigan: 1st Mortgage Broker/Lender Registrant, No. FR0021625, with the Michigan Department of Insurance and Financial Services (DIFS).

Questions or complaints about a Michigan mortgage company can be directed to the Michigan Department of Insurance and Financial Services.

NMLS Consumer Access

You can verify licensing and registration information on NMLS Consumer Access:

Bridge loan disclosures

All loans are subject to credit approval, underwriting and property eligibility. Information on this site is educational and is not a commitment to lend, a loan approval or an offer of credit. Loan programs, terms and availability vary by lender and borrower and can change without notice.

A bridge loan is short-term borrowing secured by your current home. Before you borrow, make sure you can carry the payments on both homes if your current home takes longer to sell than planned.

This site does not quote rates, points, fees or payment amounts, because they depend on the lender, the loan structure, your credit and the property. You will receive a Loan Estimate with those terms after you apply.

Before you buy, Cornerstone's Buy Before You Sell program can put a written backup purchase contract on your current home at a price agreed up front. You then list and sell on the open market. If the home hasn't sold within 180 days of closing on the new one, the backup buyer completes the purchase at the contract price. The backup offer is a purchase contract issued by a program partner of Cornerstone First Mortgage, LLC under a separate agreement. It depends on property eligibility and program terms, is not available for every home, and its price is set from a valuation and may be below market value. Program terms, the backup price and any fees are provided in writing before you decide.

If you mainly need access to your equity rather than a full buy-before-you-sell plan, Cornerstone has HELOC options through its lending partners that can close in as few as seven days for qualified borrowers. Timing depends on title, the valuation and the lender.

The qualifier quiz and equity calculator are screening tools. Completing them does not check your credit and is not a pre-qualification, pre-approval or loan decision.

Fair lending

Cornerstone First Mortgage, LLC is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, disability, familial status, marital status, age, receipt of public assistance, or the good-faith exercise of any right under the Consumer Credit Protection Act.

Equal Housing Lender

Contact

David Keblaitis
Cornerstone First Mortgage, LLC
Email: davek@cfmtg.com
Phone: (734) 891-4348

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