After years in the industry and recognizing a need for an ethics-driven mortgage lender, Mark Livingstone started Cornerstone First Financial in 2001. Cornerstone First Financial is unique due to their platform in radio and podcasts. Starting on radio prior to the implosion in 2006 and now on over seven stations, Mark learned the trade through…
Did you know that according to the federal government having as little as $20,000 in revolving monthly bills meets the definition of excessive debt and that the latest numbers indicate as many as four out of five Americans fall into this category? With a massive rise of equity and homes across the country…
Are you thinking about buying a new home, saving money by refinancing, or consolidating debt but your credit score isn’t really where it should be? If so, take some advice from Chris Plante and call Mark Livingstone at Cornerstone First Financial! If you don’t have a credit score of 680 or higher, the…
Did you know that 85% of people looking to purchase a home call a real estate agent prior to getting approved for a mortgage? That’s like buying a car without a driver’s license, it just doesn’t make sense! Give Cornerstone First a call today to get pre-qualified for your home purchase. We are…
A recent fed decision to continue raising interest rates, coupled with strong economic growth, has led to a wave of people coming off the sidelines and entering the home purchase market. “We haven’t seen this kind of competition among home buyers in over 10 years!” What is this mean to you? When purchasing…
Did you know that homeowners now control $14.4 trillion dollars in tappable home equity? This rise in appreciation has led to record numbers of people using their homes as ATMs. With the elimination of some HELOCs being tax-deductible, credit card debt on the rise, and interest rate increases moving, NOW is the time…
Mark Livingstone on Twitter: “Great news for buyers and sellers! #RealEstate” In today’s housing market, where supply is very low and demand is very high, home values are increasing rapidly. Many experts and appraisers are projecting that home values could appreciate by another 5% (or more) over the next twelve months. One major challenge in…
ICYMI: Mark Livingstone, President & Owner of Cornerstone First on The John Fredericks Show. Mark Livingstone, President of Cornerstone First Financial, discusses the mortgage market, including rates, mortgage refinance opportunities, reverse mortgages and special VA mortgage loan programs on the John Fredericks Show. The John Fredericks Show broadcasts live weekdays from 6-10am on WHKT AM 1650…
So you want to refinance, but mortgage rates are rising. Don’t worry, you haven’t missed the boat on your refi opportunity. Mortgage rates are still historically low, and they aren’t expected to exceed 5% in 2017, according to many economists and mortgage analysts. Here are eight tips to help you successfully refinance your mortgage as…
A refinance could cut your monthly mortgage payment, but that doesn’t necessarily mean it’s the right move. Even though rates spiked after the election and may rise further, there are about four million borrowers who will still benefit from refinancing, and of that, two million borrowers could save $200 or more per month by refinancing.…