◈ Homepage — https://www.houseloan.com/brothersm/skip to main content GET A LOAN ABOUT US CONTACT Prequalify Now SIGN IN 310.405.0301 The Brothers M Providing innovative service and mortgage guidance to help select a residential loan program for each individual client is our main goal. We love working with people, and we enjoy forming relationships with our clients built on trust, integrity and hard work. Get Started Experience Matters Welcome! We're glad you're here. Choosing a mortgage professional is an important decision, and we're honored you're considering Cornerstone Home Lending. Our Team Members will work hard to deliver a satisfying and streamlined lending experience. Read More About Us You Matter Our team is committed to helping you choose the right mortgage product and ensuring that your loan closes on time. Read More About the Team Cornerstone Home Lending Difference Cornerstone Home Lending vs Competitors Latest Technology & Security Easy to Use Phone App Competitive Rates 250+ Loan Programs Offered Close & Fund Your Loan in Less than 30 Days Prequalify Ready to get started? Click for our online form to begin the prequalification process. Buy a Home Understand your home buying options and review various loan programs available. Refinance Know your options for paying off your mortgage. See if refinancing makes sense for you. Calculators Check out our calculators to get an idea of payment information and more! Contact Us We're happy to answer any questions you may have about our mortgage services. What our clients say about The Brothers M The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © 2026 Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org ◈ Interior Pages — 17 pages crawledThe Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In 310.405.0301 The Brothers M Providing innovative service and mortgage guidance to help select a residential loan program for each individual client is our main goal. We love working with people, and we enjoy forming relationships with our clients built on trust, integrity and hard work. Get Started --> Experience Matters Welcome! We're glad you're here. Choosing a mortgage professional is an important decision, and we're honored you're considering Cornerstone Home Lending. Our Team Members will work hard to deliver a satisfying and streamlined lending experience. Read More About Us You Matter Our team is committed to helping you choose the right mortgage product and ensuring that your loan closes on time. Read More About the Team Cornerstone Home Lending Difference Cornerstone Home Lending vs Competitors Latest Technology & Security Easy to Use Phone App Competitive Rates 250+ Loan Programs Offered Close & Fund Your Loan in Less than 30 Days Prequalify Ready to get started? Click for our online form to begin the prequalification process. Buy a Home Understand your home buying options and review various loan programs available. Refinance Know your options for paying off your mortgage. See if refinancing makes sense for you. Calculators Check out our calculators to get an idea of payment information and more! Educational Library Access Videos, Flyers & more all designed to help educate you on the Home Loan Process! Contact Us We're happy to answer any questions you may have about our mortgage services. What our clients say about The Brothers M The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org Mortgage Calculators | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In 310.405.0301 Mortgage Calculators Mortgage calculators are useful tools to help predict monthly payments, how you can benefit from refinancing, tax savings and more! These calculators will give you a general idea but be sure to contact us at 310.405.0301 to get more details and if you have specific questions regarding payments. Rent vs. Buy Mortgage Loan Biweekly Payments Mortgage APR Mortgage Comparison Mortgage Payoff Mortgage Points Mortgage Tax Savings Refinance Break Even Refinance Interest Savings Buydown Calculator The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org Payment Calculator | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In 310.405.0301 Payment Calculator Mortgage Estimator Tool Get Prequalified Mortgage Details Purchase Price % Down Payment $ Down Payment % Interest Rate Mortgage Length (Years) 30 25 20 15 10 Yearly HOA Fee Tax Rate Mortgage Insurance Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis. Home Owners Insurance Expect to pay $35 a month per $100,000 in home value. Your Monthly Payment $1,838 Find Out If You Qualify Payment Breakdown $1,838 Principal & Interest $1,083 Taxes $507 Mortgage Insurance $73 Home Owners Insurance $108 HOA $100 Monthly Payment Estimates by interest rate Purchase Price Loan Amount 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% $225,000 $213,750 $1,838 $1,903 $1,936 $1,969 $2,002 $2,036 $235,000 $213,750 $1,871 $1,903 $1,936 $1,969 $2,002 $2,036 $245,000 $213,750 $1,871 $1,903 $1,936 $1,969 $2,002 $2,036 $255,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036 $265,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036 $275,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036 $275,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036 Cost of Waiting $36 $73 $110 $148 $186 *Cost of waiting estimates are based on the percentage (%) down entered into the calculator. Yearly Cost of Waiting $225,000 $432 $432 $876 $1,320 $1,776 $2,232 Life of the Loan Cost of Waiting $225,000 $12,960 $12,960 $26,280 $39,600 $53,280 $66,960 *Cost of waiting estimates are based on the percentage (%) down entered into the calculator. Disclosure: Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. All loans are subject to approval and credit terms may vary. Get Prequalified The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org Renovation Home Loans | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In Renovation Home Loans The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 Home Renovation Loans Maybe you've found a fixer-upper in the perfect neighborhood. Or you want to update the home you've lived in for years. You see the potential, but aren't sure how to pay for the costs. A renovation loan maybe just the thing you need for that home that needs a little TLC. Boost your home's value with renovations that are worth the effort and cash. Here are a few of the top projects that could give you the most value in the long run. If you are considering refinancing be sure to do your research. Focus on long-term costs and benefits based on the equity in your home, the terms of the new and existing loans, and the break-even point at which you will recover your costs. Here are a few reasons why refinancing your home might be right for you: Paint Generally considered the top upgrade that a homeowner can make for the least cost. Average Cost: $976 - $2,722 Average Return: Varies – Blue rooms could increase sale price by $5,440 Flooring Industry specialists recommend choosing new and neutral flooring. Average Cost: $1,508 - $4,276 Average Return: Hardwood – 70% to 80% Kitchen A good first step would be to refinish hardwood floors, cabinetry, walls, windows, woodwork, and counters. If budget permits, replace fixtures and hardware to round out your finishes. Average Cost: $21,198 - $63,829 (Remodel, Non-Upscale) Average Return: 59% - 81.1% Bathroom Investing some money into refreshing the look of your bathroom could help increase your home's value and may be a big selling point. Average Cost: $19,134 (Remodel, Non-Upscale) Average Return: 70.1% Landscaping Boost your curb appeal with an upgraded outdoor area. Average Cost: $1,446 - $5,317 Average Return: 105% to 303% The following sources are deemed reliable but not guaranteed: Paint a Home Interior Paint a Home Interior Blue Kitchens Sell for More Blue Kitchens Sell for More Install Landscaping Install Landscaping Outdoors Remodeling Report Outdoors Remodeling Report Remodeling Cost vs. Value Remodeling Cost vs. Value Flooring Installation Cost Flooring Installation Cost Will Hardwood Floors Provide a Good Return on Investment Will Hardwood Floors Provide a Good Return on Investment Resources Link to Flyer PDF Link to Flyer PDF --> Mortgage Loan Calculator The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org CA Fair Lending Notice | Cornerstone Home Lending Track My Loan Buy Buy a Home Loan Types Loan Checklist Refinance Learn Learning Center Calculators Glossary FAQs Locations About About Cornerstone Our Mission & Vision Awards Client Testimonials Team Member Testimonials Press Releases My Account Contact Prequalify Pursuant to California Health & Safety Code §35830; California Code Reg. tit.§7114 It is illegal to discriminate in the provision of or in the availability of financial assistance because of the consideration of: Trends, characteristics or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to an unsafe and unsounds business practice; or Race, color, religion, sex, marital status, domestic partnership, national origin or ancestry. It is illegal to consider the racial, ethnic, religious or national origin composition of a neighborhood or geographic area surrounding a housing accommodation or whether or not such composition is undergoing change, or is expected to undergo change, in appraising a housing accommodation or in determining whether or not, or under what terms and conditions to provide financial assistance. These provisions govern financial assistance for the purpose of the purchase, construction, rehabilitation or refinancing of one- to four-unit family residences occupied by the owner and for the purpose of the home improvement of any one- to four-unit family residence. If you have any question about your rights, or if you wish to file a complaint, contact the management of this financial institution or the Department of Financial Protection and Innovation at one of the following locations: 2101 Arena Blvd. Sacramento, CA 95834 Tel: 916-445-7205 (866) 275-2677 One Sansome Street Suite 600 San Francisco, CA 94104-4428 Tel: (415) 972-8565 (866) 275-2677 45 Fremont Street Suite 1700 San Francisco, CA 94105-2219 Tel: (415) 263-8500 Fax: (415) 288-8830 300 S. Spring Street Suite 15513 Los Angeles, CA 90013-1259 Tel: (213) 897-2085 Fax: (213) 897-8860 320 West 4th Street Suite 750 Los Angeles, CA 90013-2344 Tel: (213) 576-7500 (866) 275-2677 1350 Front St. #2034 San Diego, CA 92101-3697 Tel: (619) 525-4233 (866) 275-2677 7575 Metropolitan Drive Suite 108, San Diego, CA 92108-4421 Tel: (619) 682-7227 Fax: (619) 682-7217 10.12.20 © 2026 Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. NMLS ID# 2258 | Loan Production Offices | Licenses | Disclosures | CA Fair Lending Notice | NMLS Consumer Access | Terms of Use | Privacy Notice | Mortgage Assistance | Statement of Accessibility | Consumer Concerns | Texas State Bank Complaint Notice Corporate Address: 1177 West Loop South, Suite 700, Houston, Texas 77027. Corporate Phone: 713-621-4663 You are leaving this website. Any products and services accessed through this link are not provided or guaranteed by this website, Cornerstone Home Lending or its affiliates. External Sites may have a privacy policy that is different than this website. Please review the privacy policy for the website you are visiting. Go Back Proceed Privacy Notice | Cornerstone Home Lending Table of Contents Cornerstone Privacy Policy Texas Complaint Notice Cornerstone Online Privacy Policy California Privacy Rights Colorado Privacy Rights Utah Notice of Privacy Rights Cornerstone Privacy Policy Effective: March 2, 2026 Facts What does Cornerstone Capital Bank, SSB do with your personal information? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Credit history and credit-based insurance scores Employment information When you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reason Cornerstone Capital Bank, SSB chooses to share; and whether you can limit this sharing. Reasons we can share your personal information Does Cornerstone Capital Bank, SSB share? Can you limit this sharing? For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes - to offer our products and services to you Yes No For joint marketing with other financial companies No We do not share For our affiliates' everyday business purposes - information about your transactions and experiences Yes No For our affiliates' everyday business purposes - information about your creditworthiness No We do not share For nonaffiliates to market to you No We do not share Questions? Call one of the following for assistance: Cornerstone Capital Bank, SSB – 833.567.2265 Cornerstone Home Lending – 855.937.0771 Cornerstone Servicing – 866.505.0510 Peoples Bank - 806.794.0044 Roscoe Bank – 325.766.3311 MetriQ Valuation, LLC – 281.528.1058 Cornerstone Insurance Agency LLC – 866.760.3373 Who We Are Who is providing this notice? This privacy notice applies to Cornerstone Capital Bank, SSB, and its operating divisions, including Cornerstone Home Lending, Cornerstone Servicing, Peoples Bank, and Roscoe Bank, as well as its affiliates, including Cornerstone Insurance Agency LLC and MetriQ Valuation, LLC. What we do How does Cornerstone Capital Bank, SSB protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Cornerstone Capital Bank, SSB collect my personal information? We collect your personal information, for example, when you open an account or make deposits or withdrawals from your account pay your bills, apply for a loan or give us your income information or phone number provide employment information or give us your employment history use your debit card or other credit products apply for insurance or pay insurance premiums We also collect your personal information from others such as credit bureaus, affiliates, or other companies. Why can't I limit all sharing? Federal law gives you the right to limit only sharing for affiliates' everyday business purposes - information about your credit worthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include: MetriQ Valuation, LLC CORNERSTONE INSURANCE AGENCY LLC BROOKHOLLOW MORTGAGE SERVICES, LTD CORNERSTONE MORTGAGE PROVIDERS, LLC CRESTMARK MORTGAGE COMPANY, LTD GRACE HOME LENDING, LLC GROUP MORTGAGE LLC HARMONY HOME LENDING, LLC IRONCREST MORTGAGE, LLC KANGAROO HOME LENDING, LLC LIBERTY RIDGE LENDING, LLC NEST HOME LENDING, LLC PRIORITY HOME LENDING, LLC. STONE MEADOW LENDING, LLC STONEWOOD HOME LENDING, LLC TABLE ROCK MORTGAGE, LLC TWIN TREE MORTGAGE, LLC VELOCIO MORTGAGE L.L.C. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Cornerstone Capital Bank, SSB does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Cornerstone Capital Bank, SSB does not market jointly. Texas Complaint Notice Cornerstone Capital Bank, SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against Cornerstone Capital Bank, SSB should contact the Department of Savings and Mortgage Lending through one of the means indicated below. In Person or by Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705-4294 Phone: (877) 276-5550 , Fax: (512) 936-2003 , or through the Department’s website at www.sml.texas.gov Cornerstone Online Privacy Policy Effective: November 27, 2024 This Privacy Policy ("Policy") applies to your use of the Cornerstone Capital Bank, SSB website, mobile application or other online service (collectively, the Online Services). This Policy describes how Cornerstone may collect, share, and use information that is captured while you use the Online Services. Please keep in mind that: This Policy is intended to cover only our U.S. customers. Any international users of the Online Services should be aware that by using the Online Services, your information may be transferred to or processed in the United States. Personal information that you share on Cornerstone-managed social media pages, such as Facebook and Twitter, are subject to the privacy policies and terms of use of those platforms. Please refer to those policies before posting any content to those pages. You should NEVER provide personal information to Cornerstone through social media. We do not knowingly collect personal information from individuals under the age of 13 without parental consent. Our online services are not intended for children under 13. Any information collected as part of a SMS, text message, or phone consent will not be shared with third parties or affiliates. Your SMS, text message, or phone consent is unique to us and will not be shared with third parties. This Policy does not apply to information that we may collect through offline channels. By continuing to use the Online Services, you consent to the terms of this Policy. What Information Do We Collect and How Do We Collect that Information? Personal Information We collect Personal Information that you provide to us on the Online Services via forms, applications, surveys, and other online fields. This Personal Information may include your name, postal address, e-mail address, telephone numbers, loan number, username, and password. Non-Personal Information In addition to the Personal Information that we collect from you as described above, we may collect some Non-Personal Information from your use of the Online Services. This Non-Personal Information may include information concerning the browser you are using, as well as information collected through cookies, pixel tags, clear gifs, and other technologies to measure the effectiveness of our communications, to compile statistics about usage and response rates, and to assist us in resolving issues that may arise on the Online Services. Non-Pers Accessibility | Cornerstone Home Lending Track My Loan Buy Buy a Home Loan Types Loan Checklist Refinance Learn Learning Center Calculators Glossary FAQs Locations About About Cornerstone Our Mission & Vision Awards Client Testimonials Team Member Testimonials Press Releases My Account Contact Prequalify Home / Accessibility Web Accessibility Cornerstone Home Lending is firmly committed to compliance with the Americans with Disabilities Act and Fair Housing Act and to the accessibility of its services for those with disabilities. As part of this commitment, we are continually improving our website to make it more accessible. If you encounter any difficulty accessing our website, have suggestions about improving the usability or accessibility of the website, or would like to know more about Cornerstone Home Lending's commitment to accessibility, please contact our accessibility team by email or phone using the contact information below. Email: [email protected] Phone: 855-937-0602 For assistance not related to website accessibility, please call 877-621-4663 Hours: 8:00 AM to 5:00 PM Central Time, Monday - Friday © 2026 Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. NMLS ID# 2258 | Loan Production Offices | Licenses | Disclosures | CA Fair Lending Notice | NMLS Consumer Access | Terms of Use | Privacy Notice | Mortgage Assistance | Statement of Accessibility | Consumer Concerns | Texas State Bank Complaint Notice Corporate Address: 1177 West Loop South, Suite 700, Houston, Texas 77027. Corporate Phone: 713-621-4663 You are leaving this website. Any products and services accessed through this link are not provided or guaranteed by this website, Cornerstone Home Lending or its affiliates. External Sites may have a privacy policy that is different than this website. Please review the privacy policy for the website you are visiting. Go Back Proceed Meet the Team | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In Meet The Brothers M The Brothers M Team is here to help make your home financing experience as efficient and seamless as possible. "Buying a house is the biggest step you can take to make your dream ifestyle a reality," says Loan Officer Arshia Mashayekhi. "We're here to help everyone, like us, who wants to live the California dream!" Cornerstone is a full-service mortgage lender. We offer a variety of mortgage options, home loan programs, and competitive pricing from a wide range of national investors. With in-house processing, underwriting, and funding, Cornerstone is 100% committed to on-time closings and satisfying home-financing experiences. We look forward to serving you! Simply Remarkable Financing Since 1988, Cornerstone has made a positive difference in people's lives. Our staff of caring, seasoned mortgage professionals is passionate about helping people become homeowners. Founded by Marc N. Laird and Judy Belanger in Houston, Texas, Cornerstone has steadily grown into one of the largest privately-held mortgage companies in the country. Cornerstone by the Numbers More than 1,950 team members in 100+ branches throughout the United States Licensed to lend in 38 states and the District of Columbia #1 non-bank lender in Texas (Based on HMDA data for Cornerstone Home Lending and its affiliates) Cornerstone's CEO, Marc Laird received the Top Workplaces CEO Leadership Award in 2017, among Houston's largest companies Houston Chronicle Top Workplaces Winner since 2010 Arshia Mashayekhi NMLS 1136131 Loan Officer Arshia offers first-class lending solutions to meet a variety of needs – from first-time home purchases and refinances to real estate investments. Backed by an in-house operations team, he personally manages the loan transaction from start to finish. With his clear guidance and proactive updates, customers know all their options and exactly where they are in the process. Plus, Arshia stays up-to-date on the latest loan programs and offers immediate insight into today’s mortgage market. Since joining the industry in 2013, Arshia has grown a thriving career focused on integrity, stellar service, and honest hard work. He offers extensive experience in financial services, insurance, branch management, and loan origination. Working alongside his brother, Aryan, he helped develop a high-production residential lending team that funded $75 million in their second year. Arshia has also worked closely with real estate agents to grow their marketing exposure and build more business. Born and raised in Salt Lake City, Utah, Arshia currently lives in Culver City. When he’s not in the office, you’ll often find him at the gym and at competitive bodybuilding events. Arshia is also devoted to his wonderful family and friends. [email protected] 805.563.1100 Aryan Mashayekhi NMLS 1145071 Mortgage Branch Manager After working as a corporate pilot and successfully managing an aviation business, Aryan accidentally fell into the mortgage industry in 2013. He had a number of clients in the mortgage industry which piqued his fascination with working in the financial sector. The right opportunity presented itself and he packed up his home in Utah and moved to Los Angeles. He worked on a high production team with his brother for 2 years until he was provided the opportunity to open his own branch in Santa Monica. He discovered his passion lies in wealth creation and growth for his clients; with the ultimate focus of guiding families on the path to homeownership. He strives to help families learn how to use it as a tool towards achieving financial independence. This focus has allowed him and his brother to provide the maximum value possible for their clients in the highly competitive Los Angeles market. He is grateful to be able to work in a profession that allows him to serve the community along with spend his workdays with his wife and brother. Outside of work, his passions are aerobatic flying, surfing, music, classic cars, and spending time with his family. [email protected] 310.998.7794 David Gallo NMLS 1864919 Production Associate Before joining Cornerstone, David launched his career in finance with Wells Fargo. After being introduced to home lending by his mentor and learning about the industry, he was hooked. Serving others has always been a priority for David and having the opportunity to do that every day is why he loves what he does. He finds helping homebuyers navigate the biggest purchase of their lives incredibly rewarding and enjoys being responsible for successful outcomes. Since making the leap to the mortgage industry in 2019, David has worked alongside some of the best in the industry, allowing him to grow professionally and hone his skills. With compassion, drive, and the determination to do what’s right for his clients, he works closely with his team to provide guidance and support from the first contact to the closing table. Born and raised in Whittier, California, David has called it home for all his life. When he’s not working, he enjoys traveling, going to sports games, and visiting national parks. You might catch him at a rock concert from time to time. [email protected] 310.405.0304 Anna Mashayekhi Loan Analyst Anna has been in the lending industry for about 20 years. She started out as an underwriter which she was working full time for a few years. After working as an underwriter she dipped her toes into secondary marketing for another two years. Then she’s slowly worked her way into quality control to help extend her knowledge. Since then she has been a full fledged processor and received a promotion to processing manager in 2016. In January of 2022, she has now been promoted to the loan analyst position where she helps both Aryan and Arshia fully approve their clients files in order to write competitive offers in the market place. Some of the things she loves doing is spending time with both of her daughters and her loving husband Aryan. She really enjoys going shopping, visiting her family, and spending the day at Disneyland. [email protected] Nora Simon Processor Nora Simon is originally from Greenbelt, MD, a small town on the outskirts of Washington, DC. She attended art school in Savannah, GA, and then Lancaster, PA where she graduated with a degree in Graphic Design. After returning to her hometown and immersing herself into the design field, Nora decided to pursue a different path that led to working as an assistant manager of one of D.C.’s most beloved historic bookstores. Aside from her interests in art and literature, Nora has always been an avid traveler and explorer. She had always dreamed of living on the west coast, so in 2018 she packed up her belongings and made the cross country trip with her boyfriend. The pair found themselves in Venice, where they still live today. Nora needed a new job, and taking a chance at something completely different, she decided to jump into the mortgage industry. After working her way up she is now processing loans for Cornerstone. In her free time, Nora enjoys traveling, making art, reading, and pursuing a new interest: mortgages and real estate. [email protected] Aja Lee Client Concierge Aja was originally from Los Angeles, California, where she was born and raised into a family with a whopping 9 siblings. Seven older and two younger. Currently, she is pursuing a degree in psychology to become a clinical psychologist as well as obtain a real estate license. She enjoys traveling, reading, cooking, and spending time with my loved ones and her 5 year old Siberian husky whenever the opportunity is presented. Initially, she can come off as shy and soft-spoken, but sh Texas Bank Complaint Notice Texas Bank Complaint Notice The Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Department of Savings and Mortgage Lending. Any consumer wishing to file a complaint against the Cornerstone Home Lending should contact the Department of Savings and Mortgage Lending through one of the means indicated below: In Person or by Mail: 2601 North Lamar Boulevard, Suite 201, Austin, Texas 78705-4294 Phone: (877) 276-5550 Fax: (512) 936-2003 or through the Department's website at www.sml.texas.gov Conventional Home Loans | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In Conventional Home Loans The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 What are Conventional Loans? Conventional loans are not guaranteed or insured by the Veteran's Administration (VA) or Federal Housing Administration (FHA). The majority of conforming conventional loans abide by the mortgage guidelines established by the government-sponsored entities known as Fannie Mae (Federal National Mortgage Association) and Freddie Mac (Federal Home Loan Mortgage Corporation). Conventional mortgages with less than 20% down require private mortgage insurance. Since conventional loans are not insured by the federal government, there is no guarantee for the lender should the borrower default. These loans are considered higher risk for lenders and generally have more restrictive underwriting guidelines. Conforming conventional loans: Loan amounts up to $832,750 Credit score affects mortgage interest rate No mortgage insurance required with 20% or more down payment Can put down as low as 3% (private mortgage insurance required) Guidelines differ slightly between Fannie Mae and Freddie Mac Jumbo loans: Loan amounts greater than $832,750 Credit score affects ability to obtain mortgage Jumbo guidelines vary from Fannie Mae & Freddie Mac and are typically more restrictive Can require more documentation As low as 10% down Most require a manual underwrite, which is the most conservative underwriting approach A few benefits of a conventional mortgage: Credit does not have to be pulled on a disclaiming spouse. FHA loans require the lender to pull the disclaiming spouse's credit and count obligations in the buyer's debt-to-income ratio. Ask your Loan Officer to see how to qualify for PMI (private mortgage insurance) removal Allows for down payment and closing costs to be gifted by a family member Conventional mortgages offer a loan limit of $832,750 As low as 3% down conventional loans Resources Link to Flyer PDF Link to Flyer PDF --> Mortgage Loan Calculator The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org Refinance Home Loans | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In Refinance Home Loans The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 Why Refinance? People refinance for a variety of reasons including changing from an adjustable-rate to a fixed-rate mortgage, shortening or lengthening the term of the loan, home renovations, getting a loan with better terms and debt consolidation. While refinancing could make a significant difference in the amount you pay each month, there are other costs you should consider (such as finance charges over the life of the loan). Refinancing a mortgage is similar to when you initially applied for your loan. You must have a relatively good credit score, pay closing costs and fees, and may even have a cursory home inspection. If you are considering refinancing be sure to do your research. Focus on long-term costs and benefits based on the equity in your home, the terms of the new and existing loans, and the break-even point at which you will recover your costs. Here are a few reasons why refinancing might be right for you: Lock In Lower Monthly Payments Interest rates could be lower now than when you first closed. A lower rate could reduce your monthly payment – and help you save over the life of the loan. Pay Off Your Home Loan Sooner Shorten the number of years left on your loan to clear mortgage debt faster and build equity quicker. Tap Into Your Home Equity Get up to 80% of your home's value in cash to cover big costs like paying off high-interest debts or college expenses. Improving your home to boost its value could also be a smart use of cash-out funds. Change Up Your Loan Type If you originally secured an adjustable-rate mortgage (ARM), you could refinance to a fixed-rate loan to protect yourself from future rate hikes. Remove Private Mortgage Insurance (PMI) Homeowners with at least 20% home equity could refinance to remove PMI and lower their monthly payments. Renovate with a REFI Fix up the home you love and refinance with a renovation loan like HomeStyle or FHA 203(k). Both options let you roll the costs of eligible improvements into one convenient mortgage. Resources Link to Flyer PDF Link to Flyer PDF --> Mortgage Loan Calculator The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org FHA Home Loans | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In FHA Home Loans The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 What are FHA Loans? Since 1934, FHA loans have helped millions of homebuyers become homeowners. Insured by the Federal Housing Administration (FHA), these loans typically have lower down payments and more flexible credit requirements than non-government-backed loans. Highlights of an FHA loan: As low as 3.5 percent down payment allowed Down payment can be gifted from a relative, borrowed from an eligible 401K or provided through an approved state or local program Co-signers are allowed (but must be eligible borrowers) Seller can contribute up to 6% of the purchase price toward closing costs Two types of mortgage insurance (MI) are required: Upfront MI – can be financed into the loan or paid in cash Annual MI – paid monthly as part of the mortgage payment Available only for financing a primary residence Minimum 580 credit score required with AUS approval* Loan limits may vary by State/County *Requires automated underwriting system (AUS) approval. AUS is an automated program lenders use to qualify borrowers based on FHA or VA guidelines. Resources Link to Flyer PDF Link to Flyer PDF --> Mortgage Loan Calculator The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org Contact The Brothers M | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In Contact The Brothers M The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 Thanks for contacting us! We'll be in touch shortly. Thank you for visiting our website. We hope you have found value in the information provided. If there are questions that we can answer, please fill out the form and we will get back with you as soon as possible. Our mission is to provide honest, well-communicated, knowledge-based lending experiences to our community. We look forward to the opportunity to serve you! First Name Last Name Email Phone Message Submit Our mission is to make a positive difference in your life. We're dedicated to providing remarkable service and welcome the opportunity to hear how we're doing. If you are a Cornerstone Home Lending customer and are experiencing any issues with your mortgage transaction, please reach out to: [email protected] 1177 W. Loop South, Ste. 700, Houston, TX 77027 The above service is provided for Cornerstone Home Lending customers and is not meant for solicitations, servicing related inquiries, or any other purpose. For these, please call our corporate office at 713.621.4663. California Consumer Privacy Act (“CCPA”) : Pursuant to the CCPA, Cornerstone Home Lending is making available to all California residents two forms for submitting a request to exercise their rights under this law. The two forms include a toll-free telephone number and an online submission. If you are a California resident and wish to exercise your rights, please use one of the following two methods: Toll-free phone number: (855) 937-0771 Online submission: Form Please email form to [email protected] For a list of California consumer rights, please visit our privacy policy at the following link: Privacy Policy . The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org VA Home Loans | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Us Contact Prequalify Now Sign In VA Home Loans The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 The VA Home Loan Program For Veterans The VA Home Loan Program was started in 1944 as a part of the GI Bill of Rights following World War II. It was created to reward those currently serving in the military and veterans that have served. As part of the GI Bill, the government created a special government-insured mortgage program to minimize down payments, lower closing costs, and help those currently serving and veterans achieve the dream of home ownership. One of the primary benefits of a VA mortgage is that in most cases a down payment isn't required. It is one of the only home loan programs in the country without a required down payment or private mortgage insurance. VA allows veterans to pay up to 1% of their loan amount toward VA non-allowable fees. VA interest rates and Annual Percentage Rates (APR's) tend to be lower when compared to other home loan mortgage programs. Individual interest rates for VA loans are still dependent on your personal situation. Some factors that can affect VA interest rates include your credit scores, how much your down payment is, the value of the home, etc. For eligible veterans and their families, the VA home loan is a truly great financing option and one to explore with an experienced mortgage professional. VA Frequently Asked Questions Who qualifies for VA home loan eligibility? Eligible veterans and their spouses include the following: Active Duty Personnel of the Air Force, Army, Navy, and Marines Veterans of the Air Force, Army, Navy, and Marines Certain Reservists and National Guard Members Surviving spouses of veterans who died on active duty or died as a result of service connected disabilities Certain spouses of active duty personnel who are: Missing in action Captured in line of duty by hostile forces Forcibly detained by a foreign government or power What are my VA Home Loan Benefits? What can I expect? The VA offers very user friendly home lending guidelines and allows VA mortgage lenders to utilize a manual underwrite when needed. One can expect to have to provide 2 years tax returns with W2's, 30 days most recent pay stubs and current bank statements. Where do I check my VA benefits? A VA approved home loan lender can usually access the benefits or one can contact the VA Eligibility Center at 1-877-827-3702 to request their Certificate of Eligibility. Can I use my VA Benefits more than once? YES!!!! This is one of the biggest misconceptions that still exist. Your VA Certificate of Eligibility dictates the available benefit. What types of VA Home Loans are available? There is no monthly mortgage insurance nor private mortgage insurance on VA Loans. You may need to put more down to qualify and be approved for your specific monthly payment. Only VA approved condo projects may qualify for VA financing. Contact our team to learn more. The next steps in getting a VA Home Loan Contact our team right away! We’re an experienced and qualified VA Mortgage Lender and can assist with every step of the process. Check your VA Benefits Eligibility yourself or we can assist you with that too. Gather your necessary documentation like 2 years tax returns with W2's, 30 days most recent pay stubs and current bank statements. Resources Mortgage Loan Calculator The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org Home Loan Programs | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In Home Loan Programs The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 Conventional Loans Conventional loans are not backed by the government. Learn more about our conventional loan options. FHA loans An FHA loan is a government-backed loan insured by the Federal Housing Administration. Learn more about FHA. VA Loans We're proud to serve those who serve our country. Learn more about our VA Loan options for Veterans. Refinance Know your options for paying off your mortgage. See if refinancing makes sense for you. Renovation Loans Whether it's a fixer upper or a home you've lived in for years, a renovation loan maybe just what you need. The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org About Our Company | The Brothers M | Cornerstone Home Lending skip to main content Zillow Get a Loan Loan Programs VA Loans Conventional Loans FHA Loans Refinance Renovation Loans Payment Calculator More Calculators Learn Guides for Homebuyers About Us Meet the Team About Cornerstone Contact Prequalify Now Sign In About Our Company The Brothers M The Brothers M 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 Phone: 310.405.0301 Cornerstone Home Lending was created in 1988 with the purpose of making a positive difference in the lives of others through the platform of home lending. decades and satisfied families later, Cornerstone was approved as a state savings bank in October 2022. We are humbled to be a premier national lender with the highest ratings for customer service and team member satisfaction . Through helping our Team Members build individual legacies of service and kindness, our positive impact on others will continue to grow. For us, mortgage is about making the dream of homeownership a simple, easy, and happy experience. As our customer, you will be guided by caring, service-centric Team Members who are supported by world-class technology and efficient processes. We will always be committed to doing what’s right for the people we serve. We put people over profits, and we build solid relationships that last a lifetime. Service. Strength. Stability. years in business - Proven management teams have successfully navigated Cornerstone through various economic cycles Team Members who are passionate about helping others – Our in-house processing, underwriting, and funding teams are ready to ensure your loan closes on time investor sources with available loan products Timesaving technology for faster, streamlined mortgage transactions In-house mortgage loan servicing division staffed by a caring, elite team of Cornerstone loan servicing professionals and powered by cutting-edge technologies (Coming soon!) Access to comprehensive financial services, including mobile and online banking and fee-free checking What We Stand For: Our Mission We exist to use and improve upon our God-given talents to make a positive difference to the lives of our team members, customers, shareholders and the people who provide services to us. Our Vision The Cornerstone Lending Team will be recognized as the nation's best home lender in terms of customer satisfaction, on-time closings, team member retention and reputation among our peers. We will experience significant, sustained, and profitable growth. We will attract and retain the highest quality people and will empower them through communication, training, and guidance. With hard work, a passionate commitment to excellence, and persistence without exception, we will collectively accomplish something extraordinary that could not have been done individually. We will experience the sheer joy and excitement of building our country's best home-lending entity. We will be respected and admired by our team members, customers, and our peers. We will build the best support systems, utilize the best technologies and surround ourselves with the best people as we accomplish our goals. We will create a fulfilling workplace where our team members willingly go the extra mile because of the value they provide and their pride of ownership in a job well done. We will be viewed as the most REMARKABLE home lender in America because of our passion for excellence and the important accomplishments we achieve daily. Together, we will systematically build a company that attracts and retains people who reflect Cornerstone's Mission, Vision & Convictions and are energized by helping others. Our team members, customers, shareholders and the people who provide services to us will know, without any doubt, that Cornerstone has made a positive difference in their individual lives. The Brothers M Arshia Mashayekhi | Loan Officer | NMLS 1136131 [email protected] | Phone: 310.998.7911 Aryan Mashayekhi | Mortgage Branch Manager | NMLS 1145071 [email protected] | Phone: 310.998.7794 139 Ocean Avenue Extension, Suite 2 Santa Monica, California 90402 © Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Member FDIC. Company NMLS 2258 Loan Production Office Privacy Statement | Terms of Use | Statement of Accessibility | Texas Bank Complaint Notice | CA Fair Lending Notice | www.nmlsconsumeraccess.org Terms of Use | Cornerstone Home Lending Cornerstone Website Terms of Use Last Updated: November 21, 2024 Acceptance of Terms These Website Terms of Use (these " Terms ") govern your access to websites and related services operated by or on behalf of Cornerstone Capital Bank, SSB and its subsidiaries and affiliates (" Cornerstone " " we " or " us "). These Terms are important and affect your legal rights, so please read them carefully. 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