
Bill Wallace
Branch Manager
Cornerstone First provides a simplified and personalized home-buying experience, ensuring each client feels supported throughout their journey. Their dedicated team of experienced professionals offers competitive products with top-tier serv... Show More
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I can’t say enough about the level of service we received from John and his team. Not only did John provide us with more care and attention than I ever could have expected; he secured the lowest available rate among all the lenders I checked....
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We were purchasing a home contingent on the sale of our current home, and we required the funds from our sale escrow to fund our new home. John and his team were able to close my loan one day after the close of our home sale! A huge relief...
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We recently refinanced our mortgage using the John Kay Team at Cornerstone. Our experience was very positive - the Team was knowledgeable, efficient and well qualified in the mortgage industry. Five stars for outstanding customer service!
John Kay and his team provided excellent service on a home refinance! John and his team was very knowledgeable, courteous and professional throughout the the entire process. They also worked very hard to ensure the loan closed in a short time...
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John was awesome! This was my second time buying a home and was a much better experience than my first time around. Granted, I was much less knowledgeable the first time around of what to expect with buying a home for the first time, but still...
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Right away my wife and I felt extremely comfortable working with John. He is very knowledgeable and makes the largest purchase you will ever have a less scary experience. He broke down all of our options and actually listens and cares about...
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My husband and i were first time home buyers. Getting into something this big and not knowing what to ask or look for, you can easily get eaten by vultures. John and his team did a phenomenal job breaking down the process step by step. He held...
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John and his crew worked with me to identify the best loans for my situation and coached me to on how to improve my credit score to qualify for a loan. He showed me various options and how they will affect my monthly payment and out of pocket...
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John and his team were nothing short of amazing during the entirety of our buying process. He put us at ease the entire time, patiently working with us, and now our dream of owning a coastal CA home has been realized. Thanks John, couldn't...
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I worked with John Kay and his team on my mortgage loan for a condo in Castro Valley. John impressed me with his honesty and sincerity, and ability to answer questions day or night (since I was having sticker shock of buying in the Bay Area)....
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About
Cornerstone First provides a simplified and personalized home-buying experience, ensuring each client feels supported throughout their journey. Their dedicated team of experienced professionals offers competitive products with top-tier service, all delivered with kindness and a collaborative spirit. At Cornerstone First, the focus is on making the loan process easy and enjoyable for every homebuyer.
Products & Services
Mortgage Lender
FHA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Cash-Out Refinances
Non-QM
DSCR Loans
ITIN Mortgage Loans
Bank Statement Mortgages
Specialities
purchase and refinance
purchase
refinance loans
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Positions
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