Every Maryland mortgage path we run.

Down Payment Assistance

Designed for first-time and repeat Maryland buyers who need help with the down payment, the closing costs, or both. We run the full menu — local MD programs (Home Plus statewide, Home In 5 Maricopa, Bowie CHAP, Annapolis SWHAP, Cottonwood CHP) plus national programs that work in MD (Chenoa Fund, Arrive Home, Essex/NHF).

• Assistance amounts: 3-6% of loan amount typical; up to $50K on Bowie CHAP with 10:1 match
• Forms: forgivable seconds, deferred seconds, repayable seconds, occupation-based grants
• FICO: 600 minimum on Chenoa, 620+ on most MD programs, 640+ on premium configurations

Open the DPA guide →

Buy Before You Sell (BBYS)

Bridge financing for the move-up buyer who needs to buy their next home before their current home sells. Removes the contingency from the offer — listing agents call this the deal-saver. Cornerstone's BBYS program lets the buyer write a clean offer; we underwrite the bridge based on equity in the existing home plus the new purchase.

• Common scenario: Contract Contingent on Buyer Sale (CCBS) deal where the seller doesn't want a contingent offer; BBYS removes the contingency and the offer reads as cash-equivalent
• Process: we underwrite the bridge alongside the new purchase mortgage; close concurrently or near-concurrently
• Audience: consumer (move-up buyer) AND industry (listing agents who want their CCBS deal to actually close)

See how BBYS works →

Self-Employed Loans

Tax returns underrepresent self-employed income because of legal deductions. Standard mortgage underwriting punishes that. We run the alternative paths: bank-statement loans (12 or 24 months), 1099 loans, and asset-qualifier loans (qualify on liquid assets without showing income).

• Bank Statement: personal or business statements; we calculate average deposits as income
• 1099: qualify on 1099 totals (often higher than the post-deduction tax-return number)
• Asset Qualifier: use liquid assets (retirement, brokerage, savings) to derive a notional income

Self-employed options →

Jumbo & Medical Professionals

Loan amounts above conforming limits — full doc, alt doc, super jumbo (above $2M), plus the standout Medical Professionals program. Up to 100% LTV with NO PMI for physicians, dentists, and a specific list of credentialed medical roles. Residents and fellows eligible up to 150 days before start date.

• Medical Professionals eligible: MD, DO, DDS, DMD, DPM, DVM, PharmD, Ophthalmology MD/DO, Psychiatry MD/DO, CRNA with DNAP/DNP
• Up to 100% LTV at $1.5M with FICO 680; 100% at $2M with FICO 720; 95% at $2M with FICO 680
• Student loan exclusion: deferred and IBR student loans excluded from DTI for residents and fellows on resident/fellow income

Jumbo options →

Investor & DSCR Loans

For real-estate investors. DSCR loans qualify on the rental income of the property — not your personal income. We finance below the 1.0 DSCR ratio that most lenders treat as the floor. Short-term rental specific products available for MD Airbnb/VRBO markets.

• DSCR: below 1.0 financing available; standard rental property and short-term rental options
• No income docs required on most programs — qualify on the property's revenue projection
• Cash-out refinance and portfolio scaling for investors with multiple properties

Investor loans →

First-Time Home Buyer Loans

For Maryland buyers entering the market for the first time. FHA, USDA, conventional with low down payment options, and DPA-paired structures. We're licensed to layer the right combination of program + first mortgage to get you to closing with the smallest cash contribution that still makes financial sense.

• FHA: 3.5% down, FICO 580+ (with overlays)
• USDA: 0% down for eligible rural Maryland properties
• Conventional 97: 3% down with private mortgage insurance
• DPA-paired: first mortgage + assistance; we run the math on which combo wins for your scenario

First-Time Homebuyer (FTHB) options →