Disclosures
Licensing, compliance, and legal disclosures
Company Information
Cornerstone First Mortgage, LLC
NMLS #173855
2655 Camino Del Rio N., Suite 100, San Diego, CA 92108
VA Home Loan Pros is the Cook Brothers Mortgage Team's website, operated by loan officers of Cornerstone First Mortgage, LLC (NMLS #173855).
Tanner Cook
Mortgage Loan Originator
NMLS #2090424
Zac Cook
Mortgage Loan Originator
NMLS #2111496
VA Loan Disclaimer
VA loans are provided by private lenders and guaranteed by the U.S. Department of Veterans Affairs (VA). The VA does not make direct loans to veterans. Cornerstone First Mortgage is not affiliated with or acting on behalf of or at the direction of the VA or HUD/FHA.
VA loan eligibility is determined by the Department of Veterans Affairs based on service history and other factors. Not all applicants will be eligible.
The VA funding fee is a one-time charge on a VA loan that helps reduce the cost to taxpayers. The funding fee amount varies based on the type of loan, the veteran's military category, and whether it is the veteran's first VA loan. Veterans receiving VA disability compensation are exempt from the funding fee.
Lending Disclosures
This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. All loans subject to credit approval. Not all applicants will qualify. Contact Cornerstone First Mortgage for more information and to discuss your specific situation.
Interest rates and annual percentage rates (APRs) are based on current market conditions and may vary. The actual rate you receive will depend on your specific financial profile, loan program, loan amount, and other factors.
Equal Housing Opportunity
Cornerstone First Mortgage, LLC is an Equal Housing Opportunity lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in the making, purchasing, or servicing of mortgage loans. All applications are reviewed based on legitimate credit and underwriting criteria.
NMLS Consumer Access
For licensing information, visit the NMLS Consumer Access website. NMLS Consumer Access is a free service provided by the Nationwide Multistate Licensing System.
Cornerstone First Mortgage, LLC — NMLS #173855
Tanner Cook — NMLS #2090424
Zac Cook — NMLS #2111496
State Licenses
Cornerstone First Mortgage, LLC (NMLS #173855) is licensed in many states. The list below shows the state licenses the company publishes. Licenses can change, so the current, official record is always on NMLS Consumer Access. Where a state does not publish a license number, we list the license type and you can confirm it on NMLS Consumer Access. If the home you want to finance is in a state that is not listed, ask us before you apply and we will confirm whether we can help there.
| State | License | Number |
|---|---|---|
| Alabama | Consumer Credit License | 22395 |
| Arizona | Mortgage Brokers License | 0910407 |
| Arkansas | Combination Mortgage Banker-Broker-Servicer License | 111726 |
| California (DFPI) | Financing Law License | 603K249 |
| California (DRE) | Real Estate Corporation License Endorsement | 01840052 |
| Colorado | Mortgage Company Registration | Not published; NMLS #173855 on NMLS Consumer Access |
| Connecticut | Mortgage Lender License | ML-173855 |
| Florida | Mortgage Lender License | MLD1510 |
| Georgia | Mortgage Lender License/Registration | 54276 |
| Idaho | Mortgage Broker/Lender License | MBL-9042 |
| Illinois | Residential Mortgage License | MB.6761245 |
| Indiana (DFI) | Mortgage Lending License | 36892 |
| Iowa | Mortgage Banker License | 2019-0123 |
| Kansas | Mortgage Company License | MC.0025482 |
| Kentucky | Mortgage Company License | MC418810 |
| Louisiana | Residential Mortgage Lending License | Not published; NMLS #173855 on NMLS Consumer Access |
| Maryland | Mortgage Lender License | 06-20235 |
| Massachusetts | Mortgage Lender and Mortgage Broker | MC173855 |
| Michigan | 1st Mortgage Broker/Lender Registrant | FR0021625 |
| Minnesota | Residential Mortgage Originator License | MN-MO-173855 |
| Mississippi | Mortgage Lender License | 173855 |
| Missouri | Mortgage Company License | 21-2309 |
| Montana | Mortgage Lender License | 173855 |
| Nebraska | Mortgage Banker License | Not published; NMLS #173855 on NMLS Consumer Access |
| Nevada | Mortgage Company License | 4024 |
| New Hampshire | Mortgage Banker License | 23146-MB |
| New Jersey | Residential Mortgage Lender License | Not published; NMLS #173855 on NMLS Consumer Access |
| New Mexico | Mortgage Loan Company License | Not published; NMLS #173855 on NMLS Consumer Access |
| North Carolina | Mortgage Lender License | L-171239 |
| North Dakota | Money Broker License | MB103759 |
| Ohio | Residential Mortgage Lending Act Certificate of Registration | RM.804730.000 |
| Oklahoma | Mortgage Lender License | ML011783 |
| Oregon | Mortgage Lender License | ML-5155 |
| Pennsylvania | Mortgage Lender License | 61140 |
| Rhode Island | Lender License | 20204004LL |
| South Carolina (BFI) | Mortgage Lender / Servicer License | MLS-173855 |
| South Dakota | Mortgage Lender License | ML.05309 |
| Tennessee | Mortgage License | 130940 |
| Texas (SML) | Mortgage Banker Registration | Not published; NMLS #173855 on NMLS Consumer Access |
| Utah (DRE) | Mortgage Entity License | 6994210 |
| Virginia | Lender License | MC-5673 |
| Washington | Consumer Loan Company License | CL-173855 |
| West Virginia | Mortgage Lender License | ML-173855 |
| Wisconsin | Mortgage Banker License | 173855BA |
| Wyoming | Mortgage Lender/Broker License | 3703 |
California Borrowers
Loans made or arranged pursuant to a California Finance Lenders Law License No. 6053674.
California Department of Financial Protection and Innovation (DFPI): Financing Law License 603K249. California Department of Real Estate (DRE): Real Estate Corporation License Endorsement 01840052.
To file a complaint, contact the DFPI at dfpi.ca.gov or the DRE at dre.ca.gov.
Texas Consumer Complaint and Recovery Fund Notice
Texas: Cornerstone First Mortgage, LLC holds a Mortgage Banker Registration with the Texas Department of Savings and Mortgage Lending (NMLS #173855).
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.