I wanted to say thank you Kelly for the help you gave my Mom and I on her refinance. It was super…read moreeasy and everything worked out perfectly and QUICK. Even through the holidays! She was kind of stuck in limbo with her situation before I called you. Now she has some cash in the bank, one monthly payment with everything included, and you even saved her money. And as a long time retiree on a fixed income, that is HUGE. Add to it, she has the Cornerstone app on her tablet and bank account linked and she's all set to make her first payment! Easy Peasy! You are the greatest and I appreciate all the umpteen times you have handled things for me in the past with my own mortgage. You and the entire team are truly a pleasure to deal with, and I can't recommend you enough.

Kelly and her team (Dawn is amazing) helped us secure our home in San Diego. This is the second…read moretime we have worked with Kelly and there's just no one else we would choose to work with than the Kelly Marsh team. Kelly was ALWAYS available and answered every question we had. Her advice and wise counsel helped us finance our new home in Oceanside, CA. Thank you Kelly for your patience, your availability, and also to your wonderfully kind team! We couldn't have done it without you!!

Getting a loan is more complex than buying a loaf of bread. It's more than financials. You need…read moreservice -- knowledge and availability. Austin's team was there to help me pull my financials, to identify which credit bureau hadn't released our credit freeze, knew about FAIR homeowners insurance, and helped get the correct format of the account wire histories required by the underwriter. We had a short 10-day contingency window for our escrow, to improve the odds that our offer would be accepted. We were willing to do it without a loan, but it would have been bad financially. My financial advisor was pushing hard for me to get a loan with a large lender, so I applied with them too. But they didn't care about my 10-day window. They didn't tell me about my credit freeze, probably because they hadn't run my credit yet. Turnaround for answering my emailed questions about early payoff and ARM timeline was two days. They must have bigger deals to attend to than a homeowner loan. Go with a local person who cares.

Austin and her team are wonderful! They get the job done and are always responding to any questions…read morein a timely manner. This team cares and they do a great job. Thank you Austin and Amber!

We cannot recommend Michele highly enough! From the purchase of our very first condo to its…read moreeventual sale and the recent purchase of our first house, she was with us every step of the way--and truly went above and beyond in every possible sense. She helped us deal with a complicated insurance issue and was very responsive the entire time. Michele and her colleagues took the time to walk us through every step of the mortgage process, explained all our options clearly, and always made sure we felt comfortable and confident in our decisions. Thanks to Michele, we are now closing on our first home--and we couldn't be more grateful. If you're looking for someone who's knowledgeable, trustworthy, and truly committed to your success, pick Michele!

We reached out to Michele many months ago to get prequalified. In this crazy market, this was just…read morethe first step to get "seen" by any seller, of course. Because things were so competitive, it took us a long time to find something that was the right fit and in our budget. (Michele helped us know exactly what our budget was.) When we finally decided to put an offer in, I called Michele and asked her how long it would take her to get her letter in for us. She had it to our real estate agent the next morning ready to go! When our offer was accepted, she helped us figure out how to maximize our loan and gave us very clear and well-explained options for moving forward. She was readily available to speak to whenever we needed- even in the evening because of our crazy work and kid schedules! I would highly recommend Michele for your loan endeavor!

We have been seeking Corner Stone Home Lending guidance for…read morenumber of years now. We always go to Kelly and the Team for our finances. The knowledge and supportiveness of Kelly's Team is outstanding! We would like to congratulate Kelly and her team for providing such a distinguished home lending services for this area. Thank you very much, and all the best!

Cornerstone was the key to help me go through the whole and long process of buying my very first…read morehome! They have a very specialized group to help from beginning to end. They were all very responsive every time I had a question. They were always very on time with the deadline for a fast 30 day escrow. You should choose Cornerstone as your local lender! Thank you Kelly Marsh, Heather Ntem and Chelsea Kootstra, you ladies rock!

Jeff was a pleasure to work with! He was very knowledgeable about the market and responsive to our…read moreneeds. Most importantly, he got the job done!

Jeff was great! He was always available to answer questions regarding my loan. He worked…read morediligently to get the best rate and also went above and beyond to get the loan through in time. He was always helpful in explaining the process to me and made the entire loan process much easier. Highest recommendation.

I just completed my second home purchase in 5 years with Leah, Jennifer and team. I've also…read morecompleted two refis with them. They are out of this world! The options they provide go way outside the 'bulk' mortgage market, and provide a solution for every need. They work tirelessly to make things work, are available around the clock, respond immediately and have deep, deep knowledge about the industry. They also work with local lenders who put win-win solutions ahead of volume. I really couldn't be happier with the service and solutions they provide. They're #1...by a mile!!!

Oh my word! I have been SO remiss in not writing this review for Jennifer Ellison sooner! We just…read morecelebrated ownership of our first rental property purchase in Ojai this past August. It's been 6 years and we couldn't have done it without Jennifer's kind help. She and her team are TOP TIER! Her professionalism, experience, communication, business savvy and her attention to detail made for a SEAMLESS transaction. We have referred Jennifer and her team to so many friends. It feels good to offer the contact information of someone we trust so very much. On occasion we have the great pleasure of running into Jennifer on the hiking trail, and it's just a delight. If we ever purchase another home Jennifer will be the mortgage broker that we reach out to without question. Her integrity in the workplace is so true to who she is as a person. Not to mention that she got us an interest rate that we are incredibly grateful for every single day. Jennifer...I'm so sorry it took me 6 years to leave this review. Thank you SO MUCH for your kind help. You are an absolute GEM!

I don't know where to begin to say how great Ruben Lopez has been in obtaining our re-fi. We tried…read moreat least 4 other times & were always denied. Ruben manages to use creative ways that no one else does nor do they want to take the time. As complicated as our situation was, Ruben made the process painless and easy. We had so much confidence & trust in him we really felt it would happen & it did! He has saved us hundreds of dollars a month with the new loan.

I can't say enough positive things about Draper & Kramer. Ruben and his team did an amazing job…read moregetting my house refinanced with their attention to detail, professionalism and years of experience. They really got the job done! I would recommend using Ruben and his team to anyone. Thanks so much guys!!!

Sandy helped me to refinance my home when I lived in Santa Barbara and I was very pleased with the…read morequality of her service. Since then I have called on her to help me get loans for 2 other properties and she has continued to offer professional, reliable and helpful service. She has helped me every step of the way, was very easy to reach and very responsive when I needed anything from her to close the deal. Buying a house can be stressful but Sandy has provided clear explanations and helped me understand issues as they have come up, even when they weren't related to the loan process. I highly recommend her without any hesitation.

I cannot say enough about Sandy and the professional way that my home purchase was conducted. She…read morekept me appraised of everything in a timely manner throughout the entire process. She checked in with me frequently to see if there was anything that I needed. If I contacted her with a question to anything along the way I received a prompt reply. Buying a home can be extremely stressful, however, Sandy made the process seem effortless on my part. Before I knew it I had closed escrow and in my new home. I would highly recommend Sandy for your mortgage loan needs.

I had a consultation regarding placing a tenant for an ADU which had been in the market for over 2…read moremonths, and logistics questions about being a good landlord. Krystal Freedom was super helpful within the 30 minute appointment she gave me 3 very powerful actions to take, she saw the ADU posting and gave me feedback. Within 1 week I found a good tenant who we signed a contract with. I could not have done it without her guidance. I highly recommend working with her or team. I look forward to working with her again.

Hi! I am a SB local, born and raised, I've lived in SB off and on for the past 40+ years. I have…read moremoved away a couple of times, but SB is so magical I can't stay away for long. I meet Krystal through a very close group of friends who I feel are more like family, than friends. Krystal is an amazing friend and is extremely hardworking and professional. I have known Krystal for over a decade and have seen her dedication and perseverance, which have made her the outstanding woman that she is. When I moved back to SB Krystal was and still is, probably always will be, extremely supportive. Krystal has put in relentless time and energy helping me to relocate and find the perfect place to call home. Krystal is extremely patient and organized and has helped me to stay on track throughout this entire process of buying a house, which has been difficult, buying a house is never easy, especially in CA. Being a mom of two little kids and a full time hospice nurse, sometimes I find it hard to just get 5 minutes to myself, lol. Krystal is one of the most trustworthy and compassionate people I know and have had the privilege of working with. 2024 was probably one of the most challenging years of my life, which I don't think I would have been able to get through without the hardwork, dedication and support that Krystal has given me. As we move into the new year, I'm looking forward to finding the perfect house to call home. (Home is where the heart is, and I am flabbergasted that I will soon be able to once again call SB my home), Thank You Krystal, I don't think this would have been possible without you I would also like to let Rica know how grateful we are for her. Rica has been a wonderful asset to Krystals team. Rica has been extremely responsive and the quality of customer service she provides is top notch. Thank you!!! We truly appreciate your hard work and dedication.