Mortgages

Financing your home is big. Don't let it be difficult.

It is exciting to buy or renovate a home, but the financing process can be stressful. For a better experience, get your home loan from Cornerstone. With a variety of mortgage and home equity loans available, we will recommend your best options and guide you through the process.

Home Equity Loan

Let your home equity work for you. Consolidate debts or make a big purchase with longer terms and lower rates compared to unsecured loans.


  • Borrow for 5, 7, or 10 years for fixed rate loans
  • Borrow for up to 20 years for variable rate loans
  • Borrow up to 85% loan-to-value
  • No application fee and low closing costs

Home Equity LOC

Pay for education, renovate your home – whatever the situation, you'll be ready with a Home Equity Line of Credit.


  • Access up to 80% loan-to-value for Shelterine
  • Access up to 85% loan-to-value for Shelterine Plus
  • Instant transfers during 5-year draw period
  • No application fee
  • No closing costs if open for at least 36 months

Mortgage Fixed

A fixed rate mortgage provides a constant monthly payment for the life of the loan. It is the most recommended option when rates are low.


  • Fixed rate for life of loan
  • Serviced by Cornerstone – not sold to secondary market
  • Terms of 5, 10, 15, 20 and 30 years

Mortgage Variable

A variable rate mortgage provides the opportunity for your rate and monthly payment to decrease without the cost of a refinance. In most situations it is not recommend­ed when rates are low.


  • Rate adjusts annually with 2% annual cap and 6% lifetime cap
  • Terms up to 30 years

Mortgage Balloon

If you expect to move or refinance in a few years, then a balloon loan might be your best option.


  • Fixed rate for life of loan
  • Payment amortization up to 30 years to help lower payments
  • Terms of 7 and 10 years

Land Loan

Have you found the perfect lot but not ready to build? Start making your dream a reality with a land loan.


  • Minimum loan amount of $30,000 for terms 10 years or longer
  • Rate adjusts annually with 2% annual cap and 6% lifetime cap
  • Terms up to 20 years

Cornerstone Financial Credit Union's NMLS ID is 619380. You may also view all individual Mortgage Loan Originator NMLS IDs.