David Dickson at Cornerstone Mortgage Solutions

10/21/2026

We appreciate the trust you placed in us! We’re so glad we could help make your first home purchase a smooth experience. Helping first-time buyers feel confident throughout the process is what it’s all about. Congratulations on your new home!

10/16/2026

You probably know them.

They have the income. They’re comfortable with the monthly payment. But once they start adding up the down payment and closing costs, they decide they need to wait.

That’s where affordable lending can make a difference.

During Florida’s 2025 Hometown Heroes funding cycle, the average buyer received about $16,000 in assistance on an average first mortgage of about $320,000.
That’s a meaningful amount of upfront cash for a buyer who may otherwise think they need another year to save.

Not every buyer will qualify, but when upfront costs are the thing standing in the way, there may be more to the conversation than “keep saving.”

If you have someone in that spot, I’m always happy to take a look at what may be available.

There is only $20 million left in the Hometown Heroes Fund, so act now! Give me or a member of my team a call - 850-473-1253

10/13/2026

10/07/2026

Getting denied for a mortgage when you’re self-employed can feel especially confusing when you know the money is coming in.

You’re looking at your business thinking, “I make good money. What am I missing here?”

Sometimes, it’s not the income. It’s how that income is being calculated and documented for mortgage
qualification.

Seasonal income, business write-offs, fluctuating revenue, time in business, tax returns and reserves can all affect the picture. And two people who look pretty similar on paper can end up with very different outcomes depending on how their file is structured and which loan guidelines apply.

That’s why we’d rather look at the full story before telling a business owner what they can or can’t do.

If you’re self-employed and buying a home is somewhere on your radar, even if it’s 6 or 12 months away, give me a call 850-473-1253. We can start looking at the pieces now so you know what you’re working with.

And if a bank already told you no? That doesn’t automatically mean another lender can say yes, but it can be worth getting a second set of eyes on it.

10/01/2026

**THIS EVENT HAS BEEN POSTPONNED UNTIL NOVEMBER 11th**
Hope to see you there! RSVP here: https://forms.gle/LEN5V7UyeBoCsxAF7

09/21/2026

What if rates don't come down soon?

It's one of the biggest questions we're hearing right now.

The truth is that no one knows exactly where mortgage rates will go next. Markets change, economic data evolves, and predictions often miss the mark. That's why we encourage families to focus on strategy instead of forecasts.

A strong plan asks different questions:
• Can this payment fit comfortably within your budget?
• Does buying today move you closer to your long-term goals?
• If rates improve later, would refinancing be an option worth exploring?
• If rates stay where they are, does the purchase still make sense?

Waiting for certainty can feel safe, but sometimes it also means delaying opportunities that fit your life today. The best decision isn't based on predicting the market yet rather understanding your own financial picture!

09/18/2026

Come see us this Saturday 9/19 from 10am - 2pm!

09/15/2026

Why is your Credit Karma score different from the score your mortgage lender uses?

It's one of the most common questions we hear.

The answer is that they often measure your credit using different scoring models.

Many consumer apps use a VantageScore model, while mortgage lending commonly relies on versions of FICO scores during the underwriting process.

That doesn't mean one score is "wrong." It simply means they're calculated differently.

This is why someone can check their credit online and be surprised when a mortgage credit score isn't identical.

The good news? Understanding how mortgage credit works gives you a chance to improve the factors that matter before you apply. We believe credit education should reduce stress, not create it.

A conversation today can help you build a stronger plan for tomorrow.