They Served For Us.
Now We Serve Them.
Get your VA home loan with no lender overlays and no minimum credit score requirements. We underwrite directly to VA guidelines — the way it should be.
Why Veterans Choose Cornerstone
No Lender Overlays
We underwrite directly to VA guidelines
No 620 Credit Requirement
Unlike other lenders, we don't add credit score minimums
In-House VA Specialists
Dedicated team that understands veteran needs
Most lenders require 620+ credit score
We don't add overlays. If you're eligible for a VA loan, we can help — regardless of credit score.
Trusted by veterans nationwide
Get Your VA Loan Pre-Qualification
Answer a few questions to see your personalized options
What's your loan purpose?
How do you plan to use your VA loan benefit?
The VA Loan Experience You Deserve
We don't just process VA loans — we specialize in them. Our commitment is to help every eligible veteran achieve homeownership, regardless of credit challenges.
No Lender Overlays
Most VA lenders add their own restrictions on top of VA guidelines — we don't. We underwrite directly to VA standards, giving you access to the full benefits you've earned.
- Direct to VA guidelines
- No additional lender restrictions
- Maximum flexibility for veterans
No 620 Credit Score Requirement
The VA doesn't set a minimum credit score, but most lenders require 620-640. We don't add these overlays. If you're eligible for a VA loan, we work to get you approved.
- No minimum credit score overlay
- We work with your situation
- Case-by-case underwriting
In-House VA Specialists
Our underwriting team specializes exclusively in VA loans. They understand the unique needs of veterans and know how to navigate complex situations that other lenders won't touch.
- Dedicated VA loan experts
- In-house underwriting
- Faster decisions, fewer surprises
Fast, Efficient Closings
With our experienced team and streamlined process, we close VA loans quickly. Pre-approval in 24 hours, clear communication throughout, and a team that respects your time.
- 24-hour pre-approval
- Clear communication
- On-time closings
Full VA Benefits Access
0% down payment, no PMI, competitive rates — we ensure you get every benefit the VA loan program offers. Your service earned these benefits; we make sure you receive them.
- Zero down payment
- No private mortgage insurance
- Competitive interest rates
We Honor Your Service
You served our country with honor. We believe you deserve a lender who treats you with the same respect. No pressure, no games — just honest guidance.
- Transparent process
- No high-pressure tactics
- Your advocate, not just a lender
The Overlay Difference
See how lender overlays limit your options — and how we remove those barriers.
| Requirement | Most Lenders | Cornerstone |
|---|---|---|
| Minimum Credit Score | 620-640 | None (VA guidelines) |
| Debt-to-Income Ratio | 41-45% | Up to 60%+ |
| Employment Gap Restrictions | Strict limits | Case-by-case |
| Recent Credit Events | Long waiting periods | Flexible review |
| Self-Employment Income | 2 years required | 1 year may qualify |
Don't let overlay restrictions keep you from the home you've earned.
See if you qualify