Dana Irvine

Dana Irvine Mortgage Loan Officer bringing 15+ years of hands-on experience in processing, QC, underwriting support, and branch leadership.

I help buyers and homeowners navigate financing with clear guidance, strong approvals, and smooth closings. Mortgage Loan Officer with 15+ years of experience in origination, loan processing, QC, and compliance. Skilled in FHA, VA, USDA, and Conventional financing. Known for being proactive, dependable, and client-focused—helping borrowers achieve their homeownership goals with confidence.

09/03/2026

# # # CAPTION — CUSTOMIZED FOR DANA

Your friend closes on a house and tells you their mortgage rate.

Suddenly you’re wondering, **“Why didn’t I get that rate?”** 🏡

Because mortgage rates aren’t one-size-fits-all.

Your friend’s financing was based on factors specific to their transaction, which can include:

• Credit profile
• Loan program
• Down payment and loan-to-value
• Discount points or lender credits
• Property and occupancy type
• Loan amount
• The date and time the rate was locked

So comparing your rate to a friend’s without comparing the rest of the loan terms can give you a very incomplete picture.

**Compare the whole mortgage strategy, not just the rate.**

📲 Message me **“COMPARE”** and I’ll help you look at your options using *your* numbers.

Save this for the next time someone tells you what rate they got. 😉

— **Dana Irvine | Mortgage Loan Officer**
NMLS #2002554
Cornerstone First Mortgage, LLC | Company NMLS #173855
📱 (254) 721-4691
Licensed in Texas & Kentucky | Equal Housing Lender

09/03/2026

You’re planning to buy a house… and decide it’s the perfect time to buy a new car. 🚗😬

**PLEASE CALL YOUR LOAN OFFICER FIRST.**

That new payment could change your homebuying numbers.

Here is the part buyers are rarely told at the dealership.

Mortgage qualification considers your monthly debt obligations, not just whether the new car payment feels affordable today.

A new auto loan can increase your debt-to-income ratio and may change your qualifying loan amount or financing options.

Before you finance or lease a vehicle while preparing to buy a home, **call me first.** I can review the potential payment against your mortgage numbers before you sign.

Already pre-approved? This matters even more. Avoid opening new credit or taking on new debt without talking with your loan officer first.

Save this for later and send it to someone planning to buy a home.

— **Dana Irvine | Mortgage Loan Officer**
Cornerstone First Mortgage, LLC
NMLS #2002554 | Company NMLS #173855
📲 (254) 721-4691
Licensed in Texas & Kentucky | Equal Housing Lender

**DM me “CAR” before the dealership changes your homebuying plan.**

09/01/2026

📬 **Received a letter saying your mortgage was transferred? Don't panic.**

Many homeowners think a mortgage transfer means their loan terms have changed.

In most cases, **that's not what it means.**

Your mortgage **servicer**—the company that collects your monthly payment—may change, but your loan's interest rate, payment terms, and other original loan documents generally do **not** change simply because servicing is transferred.

If you receive a mortgage transfer notice:

✔️ Read the notice carefully
✔️ Confirm the effective transfer date
✔️ Verify the new payment address or online payment portal through official communications
✔️ Update any automatic payments only after you've confirmed the new servicing information
✔️ Keep copies of both the old and new servicing notices for your records

Taking a few minutes to verify the details can help you avoid missed payments and unnecessary stress.

💬 Have questions about your mortgage after closing? I'm here to help—even after you've moved in.

I'm **Dana Irvine**, your Central Texas Mortgage Loan Officer with Cornerstone First Mortgage, committed to helping homeowners before, during, and long after closing.

Dana Irvine
Mortgage Loan Officer | Cornerstone First Mortgage, LLC
Licensed in Texas & Kentucky
NMLS #2789232 | Company NMLS #1738559
Equal Housing Lender

08/31/2026

🏡 **Before you fall in love with the monthly payment, get a homeowners insurance quote.**

Many buyers focus on the mortgage payment and don't realize that insurance can have a meaningful impact on the total monthly housing cost.

Before you finalize your budget, review:
✔️ Annual insurance premium
✔️ Deductible options
✔️ Required coverage amounts
✔️ Roof age and property condition
✔️ Local risks, such as **hail, windstorms, flooding, or wildfire exposure**, depending on the property location
✔️ How the insurance premium affects your total monthly payment

A quick insurance quote early in the process can help you avoid surprises and give you a more accurate picture of what homeownership will cost.

💬 Thinking about buying a home in Central Texas? Let's build your budget using **real numbers**, including estimated taxes and insurance, before you start touring homes.

I'm **Dana Irvine**, your Central Texas Mortgage Loan Officer with Cornerstone First Mortgage, helping buyers make informed financing decisions from pre-approval to closing.

Dana Irvine
Mortgage Loan Officer | Cornerstone First Mortgage, LLC
Licensed in Texas & Kentucky
NMLS #2789232 | Company NMLS #1738559
Equal Housing Lender

08/30/2026

🏘️ **Thinking about buying a duplex, triplex, or fourplex? Don't rely on online rent estimates alone.**

When financing a multi-unit property, there are **two important numbers** to understand:

🏦 **What rental income may be eligible to help qualify for your mortgage** based on your loan program and documentation.

💰 **What amount of rental income you personally feel comfortable counting on** when planning your monthly budget.

Those two numbers aren't always the same.

Before making an offer, review:
✔️ Property type
✔️ Occupancy requirements
✔️ Loan program guidelines
✔️ Appraised market rents (when applicable)
✔️ Operating expenses, maintenance, vacancies, and reserves

A well-planned house hack or investment purchase starts with realistic numbers—not estimates from social media.

💬 Thinking about buying a multi-unit property in Central Texas? Send me a message, and let's review your financing options before you make an offer.

I'm **Dana Irvine**, your Central Texas Mortgage Loan Officer with Cornerstone First Mortgage, helping buyers make informed financing decisions for owner-occupied and multi-unit properties.

Dana Irvine
Mortgage Loan Officer | Cornerstone First Mortgage, LLC
Licensed in Texas & Kentucky
NMLS #2789232 | Company NMLS #1738559
Equal Housing Lender

08/29/2026

🏡 **Getting approved for a mortgage is only the beginning. A smart homebuying strategy goes much further.**

Qualifying answers one question:

**"Can I buy this home?"**

A strategy answers the questions that matter after closing:

✔️ What will my **total monthly housing payment** be?
✔️ How much cash will I have left after closing?
✔️ What moving or repair expenses should I plan for?
✔️ Will I still have room in my budget for vacations, emergencies, retirement, or other financial goals?
✔️ Would this payment still feel comfortable if life threw me an unexpected expense?

The goal isn't just to qualify.

The goal is to buy a home that fits your budget today **and** supports the life you want tomorrow.

💬 Comment **"PLAN"** or send me a message, and let's build a payment and cash-to-close strategy before you start making offers.

I'm **Dana Irvine**, your Central Texas Mortgage Loan Officer with Cornerstone First Mortgage, helping buyers across Central Texas purchase with confidence—not just approval.

Dana Irvine
Mortgage Loan Officer | Cornerstone First Mortgage, LLC
Licensed in Texas & Kentucky
NMLS #2789232 | Company NMLS #1738559
Equal Housing Lender

08/27/2026

💰 **No fine print. No calculator. You can only pick ONE. 👀**

You're buying a home. Which are you choosing?

🏦 **$10,000 lender credit**
🤝 **$10,000 seller credit**
🏷️ **$10,000 price reduction**
💵 **$10,000 cash after closing**

👇 Drop your choice in the comments!

The fun part? There isn't one right answer.

Depending on your loan program, cash available, and long-term goals, each option could provide a different benefit. That's why every mortgage strategy should be built around **your** financial picture—not a generic online calculator.

💬 Comment your choice, then send me a message if you'd like to see which option could have the biggest impact on your home purchase.

I'm **Dana Irvine**, your Central Texas Mortgage Loan Officer with Cornerstone First Mortgage, helping buyers across Central Texas make smart financing decisions with confidence.

Dana Irvine
Mortgage Loan Officer | Cornerstone First Mortgage, LLC
Licensed in Texas & Kentucky
NMLS #2789232 | Company NMLS #1738559
Equal Housing Lender

08/27/2026

🤔

08/26/2026

🏡 **Retired? Homeownership may still be within reach.**

Retirement income doesn't have to look like a traditional paycheck for you to qualify for a mortgage.

Depending on your loan program and individual circumstances, a lender may be able to consider sources such as:
✔️ Social Security benefits
✔️ Pension income
✔️ Eligible retirement distributions
✔️ Certain assets, when allowed by program guidelines

Qualifying is only part of the conversation.

The goal is finding a monthly payment that supports your retirement lifestyle while helping you meet your long-term financial goals.

Whether you're downsizing, relocating, buying closer to family, or purchasing your forever home, planning ahead can make the process much smoother.

💬 Thinking about buying a home in retirement? Send me a message, and let's review your options together.

I'm **Dana Irvine**, your Central Texas Mortgage Loan Officer with Cornerstone First Mortgage, helping retirees and homebuyers across Central Texas find financing that fits their goals.

Dana Irvine
Mortgage Loan Officer | Cornerstone First Mortgage, LLC
Licensed in Texas & Kentucky
NMLS #2789232 | Company NMLS #1738559
Equal Housing Lender

08/25/2026

🏡 **Rent or buy? The right answer starts with your plan—not someone else's.**

Both renting and buying can be smart financial decisions. Both can also become expensive if they don't fit your goals.

**Renting may make sense if you want to:**
✔️ Stay flexible for a job or move
✔️ Build your savings
✔️ Improve your credit
✔️ Decide where you want to live long term

**Buying may make sense if you have:**
✔️ A payment that fits your budget
✔️ Funds for your down payment and reserves
✔️ Plans to stay in the home for several years
✔️ A mortgage strategy that supports your long-term goals

The better question isn't:

**"Which one builds equity?"**

It's:

**"Which choice puts me in the strongest position over the next 12 months based on the life I'm building?"**

There's no one-size-fits-all answer. That's why every buyer deserves a personalized mortgage review before making a decision.

💬 Thinking about buying but not sure if now is the right time? Send me a message, and let's look at your options together.

I'm **Dana Irvine**, your Central Texas Mortgage Loan Officer with Cornerstone First Mortgage, helping buyers across Central Texas make confident home financing decisions.

Dana Irvine
Mortgage Loan Officer | Cornerstone First Mortgage, LLC
Licensed in Texas & Kentucky
NMLS #2789232 | Company NMLS #1738559
Equal Housing Lender

Address

820 Villa Como Drive
Belton, TX
76513

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