Alan Openshaw NMLS # 143960

Alan Openshaw NMLS # 143960 Licensed In PA NC SC


Alan Openshaw NMLS # 143960
Company NMLS # 1904069 We also provide 203k loans for any kind of renovation financing.

Cornerstone Lending, Inc is a mortgage broker currently licensed in PA and NJ, We provide residential and commercial mortgages to our clients for either purchase or refinance transcations. We specialize in helping first time home buyers find the best product that fits their needs, We provide FHA, VA and USDA loans with low down payment options. Also we provide reverse mortgages to seniors looking

to supplement their income or get rid of that mortgage altogether. In addition we provide reverse mortgages to purchase a home for the seniors looking to downsize and not deplete their nestegg. We have lenders down to a 560 credit score and fionancing options up to 125%. And obove all else our customer service is excellent and our interest rates are tough to beat.

So you want to buy a vacation home or airbnb but can’t qualify thru traditional means. Assuming that you only want to us...
03/12/2026

So you want to buy a vacation home or airbnb but can’t qualify thru traditional means. Assuming that you only want to use the property for a portion of the season, you can rent it out thru a management company and close out your preferred dates for your own use.
Here’s an easy solution.
Buy it with a DSCR loan. That means Debt service coverage ratio. It means if the rent covers the payment you are good! However buying through traditional lenders, you can only use the long term rental income to qualify. I recently had two appraisers on different properties calculate long term monthly rental income at $2500 and $4000 on properties that generated $8500 and $11,000 per month respectively as short term rentals. The first interest rate was 6.25% because they had 50% equity and the second was 7.25% because they only put 15% down. Traditional lenders denied the loan because the clients income could not carry 2 homes. So if you want to buy a vacation home and have a good downpayment, let me guide you on how to do it!
Hit like if you want more information or shoot me a message!
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03/06/2026

Effective immediately, trigger leads are prohibited. That means if you have your credit pulled for a mortgage, the credit bureaus can no longer sell that information so clients can’t be bombarded with calls from other mortgage lenders

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03/05/2026

DSCR loan requires no income verification
It works good for long term rentals, but it works great for short term rentals
My client put 15% down on a $1,100000 shore rental with Long term rental income at $4500 DENIED
As a short term rental the income was $11,000 a month and they were approved.
We are closing this week and they should generate about $10,000 a month with a mortgage payment of $7500.
Meanwhile vacation properties are increasing in value.
To be fair, after management fees and expenses they may only make $1000 per month net but after depreciation they are going cash back on their tax return and get the full benefit of their property appreciation.
Again no income verification needed.
PM me for details

02/22/2026

Over 5 years ago I started working with a client.
So many estimates and so many preapprovals, I lost count a long time ago.  Just over two months ago he went under contract and the day before settlement the seller died. We had to get the will probated and closed last week. Quite a journey but we got there!

When the Whitman's Sampler doesn't cut it. You know what she really wants!Ready to get serious? Hit the link in my bio o...
02/12/2026

When the Whitman's Sampler doesn't cut it. You know what she really wants!
Ready to get serious? Hit the link in my bio or DM me to get started. 🔑

01/29/2026

I just watched the movie “ the big short “ which is about the housing collapse and financial collapse in 2008.
In 2006, I had a meeting with a good friend and his father where we discussed refinancing 10 investment properties.
My response was candid. “I advise you to sell them tomorrow and buy them back in 2 years at 50 cents on the dollar! Just like the movie, “the big short” everybody thought I was nuts, including my friend who is tagged on this post!
I knew that when I had a hairdresser making $30k buying an investment property every month and clients refusing 95% financing with no income documentation, because they could get 100% elsewhere, that the collapse was coming. Two years later his father called and said I NAILED IT!
How does that affect you as my client? I tell the truth, I won’t sell you a product that you don’t need and give you the same advice that I would give to my own family!

Credit score not quite where you want it to be. We fix it whilst your loan is in process and have saved clients thousand...
01/13/2026

Credit score not quite where you want it to be. We fix it whilst your loan is in process and have saved clients thousands of dollars. What’s your score? Leave me a message. Maybe we can help

12/09/2025

Credit scores. One point can save you $1000's
Openshaw

10/16/2025

On Monday evening I had a client with a 610 credit score 63% debt to income and a large amount of collections and wanted to put in an offer for a home. On Tuesday at noon I had them approved with a lender at a rate of 5.75% and am in the process of getting the score to 640 which will save them about $6,000 in fees. We are paying off $1700 in credit cards ( according to the credit report) but in actual fact its about $400.
The debt to income was skewed by duplicate accounts, self reported utility accounts and authorized user accounts so now we are at 45% debt to income! A little hard work on an ugly file can turn that frown upside down!

10/08/2025

Haha, I just got a call from a mortgage salesman that said he could get me mortgage rate in the 4's. These guys will say anything to keep you on the line and when I told him Im a loan officer he was not phased and continued. I should have just gave him all my info and asked him tom lock me in the 4% range and listen to him squirm.

Me n the boys watching the Eagles get beat!
10/05/2025

Me n the boys watching the Eagles get beat!

Address

1200 The Plaza
Charlotte, NC
28205

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 8am - 8pm
Sunday 9am - 8pm

Telephone

+12679927276

Website

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