Service You Need From People You Can Trust

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. Plus, unlike many mortgage lenders, we will never sell your mortgage. We care about your experience both before and after closing.

Check rates and apply online at our Mortgage Center.

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, 10, or 15 years for fixed rate loans
  • Borrow for up to 20 years for variable rate loans
  • Borrow up to 90% loan-to-value
  • No application fee and low closing costs

Home Equity Line of Credit

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

  • Shelterline – access up to 80% loan-to-value with an APR as low as 7.25%
  • Shelterline Plus – access up to 90% loan-to-value with an APR as low as 9.50%
  • Instant transfers during the 10-year draw period
  • Credit line from $15,000 to $325,000
  • Balance payoff period from 60 to 180 months
  • No closing costs

Residence must be in Tennessee. Download the Home Equity Early Discre (PDF, 43 KB).

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
  • In house and secondary market financing available
  • No PMI with 85% LTV or less
  • Same low rate on jumbo loans over $726,200
  • Terms of 10, 15, 20 and 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
  • No PMI with 85% LTV or less 
  • Payment amortization up to 30 years to help lower payments
  • Terms of 7 and 10 years

Land Loan

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

  • Fixed rate for life of loan
  • Terms up to 20 years

Land loan applications are not available online. Please contact us for more information.

Cornerstone Financial Credit Union's Institution NMLS ID is 619380. View our complete NMLS ID Listing for individual Mortgage Loan Originators.