Cornerstone Home Lending, Inc State St, Santa Barbara

My wife and myself were first time buyers looking for a home during the summer of 2021. Kelly and her team were a great support during this exciting yet scary process. The team was really responsive, took the time to navigate and explain our options as well the various documents and stages. The rates they offered us were great and we definitely had a great experience. To prepare our offer and once it got accepted the team moved so fast to ensure we were on time at every step.Thanks again Kelly, Bonnie, Catherine, Emily, Heather, and the rest of the team from our new home that we really enjoy!

As a retired administrator and team builder and leader, I keep notes as I work through any process with a new team. These are my notes regarding Cornerstone Lending: professional, responsive, knowledgeable, efficient, prompt, personal, cooperative, sensitive, empathetic, patient, helpful, supportive, calm and smooth. My sincere thanks to Heather, Bonnie, Emily, Kess, Kelly, and anyone else who handled my file. Remarkable work!

Working with Cornerstone and Mark Johnson have been an absolute pleasure! As a first time home buyer, I could not be more at ease with the process. Mark and his Team were very hands on from start to finish and kept open lines of communication throughout the process. I would be happy to recommend Cornerstone to anyone of my colleagues or friends in the future.

The home loan process can be daunting and confusing, but Kelly and the Cornerstone team were there to answer every question and concern each step of the way. They are able to understand complex income structures while providing the most competitive rate and terms in the industry. Kelly and her team are best in class!

We have been clients of Kelly Marsh for 20 years. She helped us with our very first home mortgage loan and we have refinanced with her several times since then. She and her team always make us feel comfortable, even when we may not understand all of the terminology. She and her team are incredibly knowledgeable, professional, experienced, responsive and trustworthy. We highly recommend Cornerstone Lending.

We had just started down the loan approval process with Cornerstone when we stumbled upon our dream home. The only way we could see to get our foot in the door was to propose an all cash offer with a 12-day escrow. Kelly reviewed our situation and convinced us that she could finance a jumbo loan in our timeframe. At first we didn't believe her (neither did the real estate agents), but she was so proactive, communicative and positive throughout the process that she convinced everyone involved that it was going to happen. In the end she delivered exactly as she promised and made believers of everyone. We could not be happier with the service that Kelly and the team at Cornerstone provided. Thanks for guiding us through this wild process and getting us into the house of our dreams!

We worked with Kelly Marsh and her team at Cornerstone for our original mortgage and had a great experience. When percentage rates went down we decided to look into refinancing, and knew that we wanted to work with Kelly and her team again. We trusted them and appreciated how efficiently they worked. Communication was always quick and clear, whether it was to answer our questions or to get paperwork sorted and processed. We always knew what was happening every step of the way, and appreciate how fast and easy the whole process was.

We want to thank Kelly & her team for helping us with the purchase of our first home! As first time buyers we had many questions and she was able to answer all our questions & concerns. We felt very comfortable to work with her and instantly knew she would be able to help us. They kept us informed & updated through each step of the way. They also got us a great rate. Thank you for helping us with the dream to buy a home come true! If you are looking to purchase a home we highly recommend them, you will not be disappointed. It was a pleasure working with the entire Kelly Marsh Team. The team is beyond amazing. Special thanks to Kelly, John & Heather.

This was my first time seeking a home loan. As a newbie with a complex financial profile, I'm afraid I posed more challenges than most for Mark Johnson and his team. Yet they were incredibly patient and helpful. It seemed each time I spoke with Mark he was able to find a better loan until it just couldn't get any better! They kept on top of all the moving parts during escrow, and I'm sure I wouldn't be in my new home now if not for their hard work. I would describe their professional manner as thoughtful, personable, thorough, and caring. I can't say enough good things about them. Thank you!

Wanted to recommend Cornerstone Home Lending and the Kelly Marsh Team. Over the years we have worked with several lending institutions throughout California. This organization is by far the most professional of all of them. From initial e-mail, everyone had a single purpose, secure financing for the client in the most expeditious manner and at the best rates. We even sent an e-mail inquiry on a Sunday and a couple hours later received a repose to start the process. Each step along the way had a personal contact person that would respond in a timely manner. Document requests were well organized and timely. From initial contact to escrow closing could not have gone any better due to the dedication of everyone at Cornerstone Home Lending and the Kelly Mash. Team. The Demaray Family

We worked closely with the team from Cornerstone to close on our place. The team was responsive and knowledgable and I felt totally taken care of throughout the process. I would highly recommend for any homeowner (particularly 1st timers!) who want to work with a solid team.

We had a wonderful experience working with Kelly Marsh and her team at Cornerstone Home Lending. They helped us refinance our property years ago and we were so impressed with their professionalism, integrity and efficiency that we chose to work with them again on our latest refinance. We always felt like they knew exactly what they were doing so we were completely comfortable and confident. The loan process can be complicated and overwhelming, something we’ve experienced firsthand through many other house purchases in other states. But Kelly and her team made the loan process seamless and easy. We highly recommend Kelly Marsh and her team at Cornerstone Home Lending. Pam & Edward

We've worked with Kelly Marsh and Cornerstone 3 times over the past 14 years and we have had our expectations exceeded every time. She and her team are professional, detail driven and efficient. Everything is done online with clearly set expectations and well explained deadlines along the way. With our most recent refinance, she even advised us against refinancing a second property since our current rate was already low, and really we're really just borrowing against our existing equity - putting our financial goals ahead of her commission. There's no need to go anywhere else but Cornerstone Home Lending with your home financing needs!!!!

Mark Johnson helped me get a loan on my forever home. I had a complicated financial situation, but him and the entire cornerstone team were able to figure it out and qualify me for a loan quickly. In this crazy market, they were able to get our loan approved and funded on a very short timeline. The team worked super fast and even on Christmas Eve to help us keep everything on track. So appreciative for how hard they worked and how easy they made everything for me.

We recently refinanced with Kelly and her team. They were so helpful and responsive to our concerns and numerous questions. Kelly’s experience and knowledge of the market trends made us feel comfortable and confident we were making the right decision. We found their loan process to be straightforward and were impressed how quickly it moved along. Plus we have a lower rate and lower payments! I would not hesitate recommending Kelly to anyone inquiring. Thank you Kelly and your team at Cornerstone Lending.

This is the 4th time we have used Kelly and team. Great experience from beginning to end! By using a local and trusted lender, the seller had confidence that the deal was going to get done on time which helped us get our offer accepted. They worked fast and we closed earlier than expected! We will continue to use Kelly in the future!

Kelly and her team are the best! My fiancé and I just closed on our first home and had Kelly and her team helped us with our loan. We had been looking for almost a year and they showed nothing but professionalism, timeliness and patience. They were quick to respond with any questions and requests and were the perfect team to guide us in this new journey for us. We had heard nightmare stories from friends who had used other lenders and are so thankful someone mentioned their excellent experience with Kelly. I couldn’t recommend or thank Kelly and her team enough!