The best loan officer in the business. He always answers your phone calls and is extremely prompt. He is our #1 pick.

If you are seeking expert guidance, go no further! I received Mark Johnson's information on referral from a real estate agent. After an arduous loan process with a different lender, Mark Johnson took the time to review my information and provide his expertise. Given the booming real estate market, I know how valuable his time is. He spoke with me for thirty minutes or so, allowing me to address various issues with another lender. He alleviated several of my concerns. He is very professional, knowledgeable, communicative and friendly. Most importantly, he is honest. I can't speak highly enough. I will absolutely go to him in the future for lending. I trust my money would be in good hands. read more

Are you looking for a Santa Barbara County local lender that operates at a high level and goes above and beyond for their clients? I never thought that existed until I met Mark Johnson, Ben Boggs and their team. I guess that's what happens when you have been in the business for over 20 years!!! Not only do they treat you with the highest respect, but they respond timely when you need it most. They walk you through the entire loan process and best yet, they can beat any interest rate! You want a local lender that understands your contingency deadlines and does everything to meet them, especially in this market. So, whether you're looking to re-fi, purchase luxury real estate or buy for the first time, I highly recommend the Mark Johnson team at Guaranteed Rate! read more

Mark and his team got our loan approval through SO quickly and we got a good interest rate! Our sellers wanted the financing to be a sure thing and come through quickly - the very short escrow period was the only way we were able to beat a higher offer. Mark also took the time to answer all our questions...as first time buyers, we had a lot. Highly recommend. read more

Mark Johnson and his team exceeded my expectations. His team was quick to respond and always kept me informed. Mark was able to have my loan finished in the time frame we asked. I was confused on things and he was able to answer the questions and reassure me that everything was going as planned. There aren't enough words to say how appreciated I am that we went through Cornerstone. Thank you so much!!!! Lori Broder read more

Mark has helped us out for three different mortgages now! He helped us buy our first home in 2012, then to refinance that home to a 15 year mortgage back in 2016, and most recently he helped us purchase our most recent home! He has been nothing but amazing. He has helped us through every step of the way and has been able to get us interest rates we didn't even know were possible! There's a reason we reached out back to him for our refinance and for this current mortgage. I definitely recommend him to anyone and everyone who asks, and will only use him in the future. He makes the entire process painless and flawless. I cant say enough good things about him and everyone he works with at Cornerstone. read more

Mark Johnson and his team did it again! They provide an opportunity to refinance and delivered in every way. The process was easy, fast and very professional. We will always go with Mark Johnson for our lending needs AND you should too! read more

As a first time home buyer I couldn't be happier about working with Mark Johnson and his Team at Cornerstone. From start to finish the process was handled with care and superb communication. Cornerstone fulfilled all of my needs and went above and beyond in helping me purchase my first home. I cant thank Mark and his Team enough, thanks for making a dream come true! I cant wait to recommend Cornerstone to anyone I know in the future read more

I have been working with Mark and his partner Mark Christman for a few years now. They have always been so great to work with and patient while I was looking for a property. When I finally found one, he was quick to get the paperwork started. He provided weekly updates and made sure we were able to close in under 30 days! Thank you again, Mark and Mark! I really appreciate all you did for me! read more

I had such a great experience with Mark and highly recommend cornerstone lending for your funding needs. Mark made the process go as smoothly as possible and went above and beyond to lock in my rate and get me the best loan possible. He really has his clients best interest in mind and is very professional and pleasant. read more

We had a great experience working with Mark and Cornerstone Home Lending on the purchase of our first home! He made himself available to answer our questions and concerns throughout the entire process and made us feel comfortable, showing expertise and honesty. We appreciated the frequent updates and clear communication. Thank you Mark! read more

Mark and everyone at Cornerstone we're so helpful. They answered any questions I had and were always available when I needed to talk through something. read more

Mark has managed 4 of our new and refi mortgages, and they have all been handled expertly and with minimum "friction."

I just finished an escrow where Mark was the loan officer for my clients. Mark was awesome to work with. As was the whole Cornerstone team. Mark was on top of all of the details, kept me informed at all times, and moved mountains to make sure that we could close this escrow ten days early. It was no small feat, and I know that my clients were so happy about closing early and getting into their home as soon as possible. I very much look forward to working with Mark again and continuing my great relationship with Cornerstone Home Lending. read more

I received exceptional service from the entire Cornerstone team in helping me obtain my home loan. From start to finish the team was on it! Mark Johnson guided me through the process and was a great person to have on my side as a first time home buyer. He set up routine check-ins and made himself available to answer any questions that I had during the process. I whole-heartedly recommend him as you loan officer! read more

It is a pleasure to work with Mark and his team. They really take the time to answer my questions so I know what I am getting into.

Mark and his team did a terrific of refinancing our home. He found us a great interest rate. From gathering documents to signing they were so professional. I would recommend them anytime. read more

You will not find a better, friendlier, more professional group than what Mark has put together for your mortgage needs. He is amazing the way he can quickly adjust, advise and provide documentation for both pre-qualifying in a purchase and refinancing a home. I have been buying / refinancing homes for over 40 years and they are the best I've found. HIGHLY recommend using this team. read more

If you want to work with the best, Mark and his team at Cornerstone lending are hands down THE BEST. They are so patient and very responsive. Mark Johnson took such a personal interest in our loan and he walked us through the entire process. His team was so efficient and quick and made the process very painless. I absolutely recommend him! If you go with Mark you'll be great hands. read more

Mark Johnson made it so easy for us to purchase our first home! He was patient and thorough in reviewing the loan options with us. And after our first meeting with him we felt more informed, excited and empowered to buy our first home. During escrow, he kept us updated on the status of the loan and steps to follow. We also worked with Mark Christman to finalize the loan and he was great at trouble shooting some of the changes/issues that came up along the way. You both were quick in responding and following up on my many questions. We had an incredibly positive experience with Cornertsone and highly recommend them to any first time homebuyers! read more

Let's be honest, a lot of folks take great consideration in selecting a realtor. Yet, not many think about who their loan lender will be. If you're buying something as frighteningly expensive as a house...you ought to be vetting both parties with a fine toothed comb. It could be the difference in thousands of dollars in or out of your pocket. I'll gladly save you the pain of shopping around. Mark Johnson and Ben Boggs are simply exquisite at what they do. Mark personally called me every Tuesday to update me on my loan paperwork status, where we were in the process, and what my next steps were. He broke down this massive process into digestible bits that never once overwhelmed me. He went out of his way to get me a remarkably low interest rate and didn't stop trying until he got it. If you're anywhere on the Central Coast and you need a loan, let this be the only review you read before you end your search and call Mark and Ben. The Cornerstone team is utterly phenomenal from the receptionists to the loan officers. read more

Mark Johnson and his team have helped me with two homes now. Mark offers several options, and keeps me updated along with way with emails and personal phone calls. He cares about people, and that shines through to his great work ethic. He even reached out to me with loan updates during his vacation. He's simply the best! read more