Business Page
The Mortgage Specialist Group @ Cornerstone
Lender
5.0 stars
108 Reviews
Markets served
Nationwide
Except the following states:
New York
Nationwide
Licenses
Company NMLS
#173855
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
We are licensed in all states except NY at the moment. We can do DSCR loans in NY but not conventional or gov loans.
About us
We are a nationwide full-service mortgage lender based in Miami with over 20+ years of experience. We specialize in all types of mortgages such as, DSCR, Conventional, FHA, Jumbo, VA, ARMS, First time buyer programs and Home Equity Lines. Neev and Emmanuel are located in Florida but lend nationwide. The Mortgage Specialist Group is a Branch within Cornerstone First Mortgage. Functioning as both the mortgage lender and broker, all aspects of the loan process (underwriting, funding and processing) are offered in-house. We are dedicated to delivering high-quality customer service and offer an extensive range of home loan programs with competitive rates to deliver a solution that best fits the need of each client. You can see our reviews here - Neev and Emmanuel are a team. https://www.experience.com/reviews/emmanuel-fajardo-320601
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
USDA Loan
FHA
Hard/Private/Non-QM
Home Equity (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Rehab for Buy & Hold
Bridge Loan
Foreign National Loan
Refinance (investment)
Reviews (108)
5.0 stars
108 Reviews
5.0 stars
108 Reviews
0.0 star
0 Reviews
5.0 stars
3 months ago
Reviewed by
Andrés Pérez
It was an excellent experience because the whole process was very fast. Everyone—from the Realtor, Miriam, to the law firm—treated me very well and handled everything in record time. Communication was seamless, and I want to give special thanks to Emmanuel, who provided all the necessary information and guided me through every step to ensure the process went perfectly. I am very grateful to everyone.
5.0 stars
Edited 4 months ago
Reviewed by
David Victor
Cornerstone First Mortgage truly provides an amazing experience from start to finish. Emmanuel Fajardo welcomed me with open arms and made what once seemed impossible become possible. His dedication, kindness, and genuine commitment to helping people are truly remarkable.
Jennifer Gonzalez also went above and beyond throughout the entire process. She communicated clearly every step of the way and made everything smooth, stress-free, and easy to understand. Her professionalism, dedication, and willingness to help made me feel valued and supported at all times.
I truly appreciate the outstanding service from the entire team at Cornerstone First Mortgage. They genuinely care about their clients and work hard to make things happen. Because of their support and guidance, I felt confident throughout the process. I highly recommend Cornerstone First Mortgage to anyone looking for a team that treats you with respect, professionalism, and care.
5.0 stars
Edited 5 months ago
Reviewed by
Güven KIYMAZ
We recently bought our first home, and Cornerstone provided our mortgage. They call themselves “mortgage specialists,” and throughout the entire process, we truly felt that they lived up to that name. As first-time home buyers, we had many questions, and their team was always patient, understanding, and very helpful. They guided us through each step, explained everything clearly, and made the process much smoother and less stressful for our family. I strongly recommend Cornerstone to anyone buying a home, especially first-time home buyers.
5.0 stars
6 months ago
Reviewed by
SUSANA SIERRA
Excellent experience from start to finish. The team was organized, communicative, and solution-oriented throughout the entire process. I truly appreciated the consistent follow-up and professional guidance every step of the way.
We closed in just 29 days and everything went smoothly. I highly recommend Cornerstone for anyone looking for efficiency and reliability in their lending experience
5.0 stars
Edited a year ago
Reviewed by
RUBEN ALARCON
I wanted to take a moment to express my sincere appreciation for the outstanding service I received throughout the entire mortgage process. From our very first contact to the closing, your professionalism, attention to detail, and dedication were exceptional.
I felt completely supported and guided, knowing that my questions would be answered with clarity and that every step of the process would be handled efficiently. The transparency and constant communication you maintained made what can often be a complex process surprisingly smooth and stress-free.
The experience has certainly exceeded my expectations. I will not hesitate to recommend your services to any friends or family members who are looking for a trusted mortgage partner.
Again, thank you for your invaluable assistance. I look forward to the opportunity of working with you in the future!
5.0 stars
3 months ago
Reviewed by
Andrés Pérez
It was an excellent experience because the whole process was very fast. Everyone—from the Realtor, Miriam, to the law firm—treated me very well and handled everything in record time. Communication was seamless, and I want to give special thanks to Emmanuel, who provided all the necessary information and guided me through every step to ensure the process went perfectly. I am very grateful to everyone.
5.0 stars
Edited 4 months ago
Reviewed by
David Victor
Cornerstone First Mortgage truly provides an amazing experience from start to finish. Emmanuel Fajardo welcomed me with open arms and made what once seemed impossible become possible. His dedication, kindness, and genuine commitment to helping people are truly remarkable.
Jennifer Gonzalez also went above and beyond throughout the entire process. She communicated clearly every step of the way and made everything smooth, stress-free, and easy to understand. Her professionalism, dedication, and willingness to help made me feel valued and supported at all times.
I truly appreciate the outstanding service from the entire team at Cornerstone First Mortgage. They genuinely care about their clients and work hard to make things happen. Because of their support and guidance, I felt confident throughout the process. I highly recommend Cornerstone First Mortgage to anyone looking for a team that treats you with respect, professionalism, and care.
5.0 stars
Edited 5 months ago
Reviewed by
Güven KIYMAZ
We recently bought our first home, and Cornerstone provided our mortgage. They call themselves “mortgage specialists,” and throughout the entire process, we truly felt that they lived up to that name. As first-time home buyers, we had many questions, and their team was always patient, understanding, and very helpful. They guided us through each step, explained everything clearly, and made the process much smoother and less stressful for our family. I strongly recommend Cornerstone to anyone buying a home, especially first-time home buyers.
5.0 stars
6 months ago
Reviewed by
SUSANA SIERRA
Excellent experience from start to finish. The team was organized, communicative, and solution-oriented throughout the entire process. I truly appreciated the consistent follow-up and professional guidance every step of the way.
We closed in just 29 days and everything went smoothly. I highly recommend Cornerstone for anyone looking for efficiency and reliability in their lending experience
5.0 stars
Edited a year ago
Reviewed by
RUBEN ALARCON
I wanted to take a moment to express my sincere appreciation for the outstanding service I received throughout the entire mortgage process. From our very first contact to the closing, your professionalism, attention to detail, and dedication were exceptional.
I felt completely supported and guided, knowing that my questions would be answered with clarity and that every step of the process would be handled efficiently. The transparency and constant communication you maintained made what can often be a complex process surprisingly smooth and stress-free.
The experience has certainly exceeded my expectations. I will not hesitate to recommend your services to any friends or family members who are looking for a trusted mortgage partner.
Again, thank you for your invaluable assistance. I look forward to the opportunity of working with you in the future!