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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We've known John for almost 10 years. He helped us purchase our first home almost 10 years ago and when we decided to get back in the market we gave him a call because of the great experience we had the first time around. The first thing you'll...
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John and his staff were great to work with. John explained the refinance process to me and discussed the different options available to me. John was not just trying to sell me a service, instead he took a vested interest in me and my family...
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John Kay was recommended by a friend to help me buy my new home in Livermore, and the transaction was by far the most pleasant. This was my sixth home-buying experience and it usually starts out stressful and goes up from there. This time the...
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John and his team have done 2 loans for me, and I would not consider anyone else. We always seem to have some self inflicted issues, but both times John found a way to get the best deal done, no matter how long and hard the process was. I trust...
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This review has been a long time coming, and I'd been putting it off because I wasn't able to figure out how to convey just how grateful I am to have had John on my team. As a first time home-buyer, I couldn't imagine how stressful and overwhelming...
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I was introduced to John by my realtor. He was knowlegable, professional, incredibly outgoing and made me feel as though I was his peimary client. Amazing..
John is professional, enthusiastic, communicative, and trustworthy. He explains the process to first time buyers and makes it easy to understand. He goes out of his way to provide support and breaks down the costs with informative spreadsheets....
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John has been a very professional and personable broker for us while we shopped for our first home. We were easily able to close in less than a month, and he was very patient and resourceful throughout the process. His friendliness and positive...
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John is amazing, as is his underwriter Sharan. They are both warm, sincere, and will hold your hand through the entire process. From the first day we met John, we felt we were in good hands. He welcomed us into his office and sat with us for...
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When we went through the process of trying to get pre-approved for our mortgage, we talked to about 5 different lenders. John Kay stood out from all of them, not just because his rates were better by quite a bit, but because even before we...
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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
- Cardinal Financial - Producing Branch Manager | Retail
- CrossCountry Mortgage, LLC - Branch Manager
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