A Personal Note to our new and existing clients and referral partners.

Thank you for visiting our website.  Whether you are a long time client, a newly referred client, or stumbled upon our home on the web because you are seeking quality lifetime mortgage and financial advice we welcome you and invite you to take some time and explore the many client services we offer for existing, newly referred, and "adopted clients".  Please note that we frequently adopt clients into our mortgage under management program, if the lender who originated your loan or currently services your loan is not helping you manage your mortgage debt then please read on and feel free to contact us with assistance in managing your mortgage debt and home equity.

We are truly passionate about our choosen profession, and the result is nearly 100% of our business is by referral from satisfied clients, trusted financial planners, insurance agents, attorneys, and the most experienced Realtors in the Ann Arbor-Downriver-Metro Detroit area.

Our mission is to carefully guide our clients through the entire home loan process, so they feel confident as they make choices about the many options available for their financing strategy.

With many years and a wide range of experience in the mortgage industry, our practice stands ready to assist each and every step of the way.

Owning a home is one of the largest financial commitments a person will make during their life, and many people mistakenly view their home financing as just another payment.  We help our clients realize their home loan is truly a powerful financial tool which, when properly managed and integrated with their financial goals can help them achieve the dreams and plans they envision for their future.

Our clients generally only think about home financing a few times during their lives -- we think about it every single day.  It's their home and their future; it's our profession and passion.  As a result, we make certain our clients mortgage loans are properly managed and they never miss an opportunity to reduce their monthly payments or increase their monthly savings.

To make good on that promise, our clients receive personalized monthly reports called Rate Watch which compares our clients' existing mortgage payment to the prevailing payment based on the current market and their unique situation.  This service goes well beyond some ad one may come across online, in a newspaper, or on the radio or TV as our Rate Watch reports are customized to our clients real world needs and unique situations - rather than just designed to randomly get the phone to ring so some company you've never worked with before with offices half way across the country or globe can potentially bait and switch you.  An added benefit of the Rate Watch service is it alerts our clients to when small windows of opportunity exist in the often volatile mortgage market for them to lower their monthly mortgage payment and reduce their monthly debt obligations.

In addition, we conduct Annual Mortgage Reviews with each of our clients because as their lives change, so do their home loan and financial needs.  The Annual Mortgage Review is a powerful meeting that provides an additional level of fiscal accountability to our role as a Trusted Advisor, while also helping our clients reach their short-term and long-term financial goals.  Our practice frequently conducts your Annual Mortgage Review along with input from your other financial and legal advisors to make certain no stone is left unturned in helping you maintain and build wealth for you and your family.  If your mortgage professional has never conducted an annual review with you before then your mortgage likely is not being managed as well as it should be, if this is the case, then we invite you to contact us and we can adopt your mortgage, enroll you in our Rate Watch service, and conduct your first annual mortgage review at no cost to you.

We look forward to joining your team of Trusted Advisors and welcome our new relationship.

Cornerstone Mortgage Lending

Ann Arbor • Downriver • Metro Detroit

Phone:  (877) 977-5724   Fax:  (888) 586-5283