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Turn homeownership dreams into reality

Home Purchase Loans

Begin your Home Buying Journey

We recognize that every family has different needs in their home buying journey. Depending on your circumstances, one home loan may be better than another. With years of experience, Cornerstone Choice Loans guides families into the homes of their dreams.

When you decide to purchase a home, you’ll have several things to consider from price, location, features, home loans and more. As a trusted mortgage broker, Cornerstone Choice Loans helps families navigate their mortgage options with honesty and guidance. We strive to connect you with the best rates and terms, and there are a few things you can do beforehand to make your dream home a reality.

Get started today and take the first step toward your family’s new home!

Different types of Home Loans we offer: FHA Financing

Federal Housing Administration (FHA) Financing provides a safe and affordable loan option for homeowners.

Lock in a low 30-year fixed-rate
580 minimum credit score
Bankruptcy eligible
Quick and Easy approval
No pre-payment penalty

Fixed Rate Conventional Loans

The ideal choice for long-term stability. These loans are best if you want predictable payments over many years with no surprises.

Cornerstone Choice Loans will provide guidance on whether this loan option is the right fit for your family. A fixed-rate conventional loan offers peace of mind, as your payment will stay the same each month for the life of the loan.

Community Lending & Special Programs

At Cornerstone Choice Loans, we help families access programs that make homeownership more affordable and achievable. From the Florida Hometown Heroes program that supports teachers, first responders, and community servants, to 1% down payment options and down payment assistance (DPA) programs for families who qualify, we guide you toward the opportunities that best fit your family’s needs. Our goal is to make the path to your dream home simple, fair, and stress-free.

Are Adjustable Rate Mortgages Right for You?

Federal Housing Administration (FHA) Financing provides a safe and affordable loan option for homeowners.

Are you planning to stay in your home for less than 5–7 years?
Are you buying in a higher interest rate environment?

An adjustable rate mortgage can be a smart option for families who plan carefully. Most ARMs start with a low introductory rate that is fixed for 1 to 10 years. After that, the rate adjusts periodically—either annually or every six months—based on market conditions. Some programs include a lifetime cap to protect you from large increases. With thoughtful planning and guidance, an ARM can help your family save money while making your dream home a reality.

If you can afford to Rent, you can afford to buy

And this is the truth: we’re here to provide honest guidance so you can make the best decision for your family’s future. Whether you need more space as your family grows, or you’re looking for a peaceful place to call home, our focus is guiding you to access programs that meet your needs with care, integrity, and smart planning.

Homeownership is Within Reach

Unless you need to move often for work or you’re not sure what the next few years will bring, homeownership is a better path than continuing to rent. Instead of paying monthly rental fees to a landlord, you can put that money towards a new home, allowing you to increase equity and start building a stable future for your family.

Homeownership is the American dream, and there’s no reason to automatically assume that dream is out of reach because you can’t afford a 20% down payment or don’t qualify for a conventional mortgage. We can help you explore options, including FHA loans and other government-funded assistance programs.

There is no wrong time to buy a home. If you’re ready to start looking for the perfect property, Fellowship Home Loans can help you understand your financial options. We’ve helped countless families find the homes of their dreams, we want to help you, too.

Full Service Home Buying Solutions

In the dynamic world of real estate, having a trusted advisor as your loan officer can make all the difference. Cornerstone Choice Loans serves as your experienced guide, providing valuable insights, tools, and information to ensure you’re always one step ahead in your home-buying journey. Whether it’s understanding credit details, choosing between mortgage options, or getting clarity on market trends, we’ve got you covered.

Our comprehensive platform doesn’t just stop at providing information. With interactive tools, calculators, and dedicated support, every question or concern you may have is promptly addressed, ensuring a seamless home-buying experience.

How long does it usually take to purchase a home?


The timeline for buying a home can vary depending on your unique needs and market conditions—it might take a few weeks or several months. Regardless of the timeframe, our commitment to guiding your family through every step of the process remains steadfast. We’ll help you apply online, get approved, and be ready to make a confident offer when the right home comes along. For those who qualify, we can even help secure same-day approvals and clear to close in under 21 days, making your path to homeownership faster and smoother.

HOW MUCH DOWN PAYMENT DO I NEED ?

While many think a 20% down payment is required, there are options that allow as little as 3–5%, depending on the loan program. Some programs even offer 0% down for qualified families. Speak with your Cornerstone Choice Loans mortgage broker to find the option that’s right for your family.







IS IT POSSIBLE TO PROCEED WITHOUT A REAL ESTATE AGENT ?

Yes, you can buy a home without a realtor, but having one can make the process much smoother. A real estate agent serves as an advocate for you and your family, guiding you through negotiations, contracts, and inspections. We work with many trusted realtors and can help connect you with an agent in the area where you’re looking to buy, ensuring you have expert guidance every step of the way.

WHAT’S THE DIFFERENCE BETWEEN GETTING PRE-APPROVED AND PREQUALIFIED ?


Pre-approval involves a detailed review of your financial situation by a licensed mortgage professional, while pre-qualification is a preliminary assessment based on the information you provide. Because of this, a pre-approval carries more weight when making an offer on a home. Many realtors require a pre-approval letter from a licensed mortgage company before showing homes or accepting offers, so obtaining one can help your family act quickly and confidently when you find the right property. Be sure to consult with your loan officer to position yourself for the strongest possible offer.