Team Cummins NMLS 208602

Team Cummins NMLS 208602 CMG Financial NMLS #1802 Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. Scott proudly calls San Antonio his hometown. Hook “Em Horns!

Member FDIC | Company NMLS #2258

Scott Cummins, Senior Loan Officer for Cornerstone Home Lending, is known his steadfast integrity and dedication to stellar customer service and for delivering practical home-financing guidance. With more than 20 years of experience, he creates a lasting impression of trust and confidence; treats each and every client like they're family; and is available long aft

er closing to monitor a client's equity position and provide timely mortgage guidance. His commitment to 100% customer satisfaction brought him to Cornerstone Home Lending Through Cornerstone's "Customer for Life" program, Scott provides clients not only with state-of-the-art technology and instant accessibility, but also with expanded customer services unparalleled in the industry. In-house underwriting, convenient and secure online prequalification, a nationwide array of investors to choose from and online access are all backed by what Scott considers the most important aspect of the mortgage transaction—personal attention. He is a Summa Cum Laude Graduate with a degree in Business Administration and Economics from Our Lady of the Lake University; Scott also received an Executive Masters in Business Administration from the University of Texas in San Antonio. An avid runner, he has enjoyed participating in and completing multiple San Antonio Marathons. Scott works very hard to achieve a healthy balance between work and family. Scott enjoys supporting his two boys and all their endeavors at the University of Texas at Austin. Scott's wife Michelle, with her marketing and customer service background, participates in his constant effort to enhance the high level of communication and service that you would expect from Cornerstone and Team Cummins. At Cornerstone Home Lending, you will discover an atmosphere of enthusiasm, a spirit of dedication and a great desire to build quality relationships. Experience the Cornerstone difference. Rely on Scott Cummins for all of your residential mortgage needs.

Buying a home? 🏡 Keep your finances as steady as possible while you’re under contract.A few moves that may seem harmless...
08/19/2026

Buying a home? 🏡 Keep your finances as steady as possible while you’re under contract.

A few moves that may seem harmless can create extra questions during the lending process:

✕ Moving large amounts of money around
✕ Applying for new credit cards
✕ Changing jobs without talking to your lender first

When in doubt, check with your lender before making a major financial change. A quick conversation now could help keep your homebuying journey on track.

🏡 Renting vs. Buying: Which Path Is Right for You?Renting can offer flexibility, but buying a home can open the door to ...
08/18/2026

🏡 Renting vs. Buying: Which Path Is Right for You?

Renting can offer flexibility, but buying a home can open the door to building equity, more stability, creative freedom, potential tax benefits, and long-term investment opportunities. 🔑

Where you live today can help shape your tomorrow. If homeownership is on your radar, let’s talk about your options and what the next step could look like for you!

Renovating doesn’t have to mean overspending. 🏡✨ A few smart choices can help you create a home you love while keeping y...
08/11/2026

Renovating doesn’t have to mean overspending. 🏡✨ A few smart choices can help you create a home you love while keeping your budget in check.

Save this for your next renovation project—and remember, thoughtful upgrades can add comfort, efficiency, and lasting value. 🔨🌿

A beautiful home is important… but don't overlook the neighborhood. 🏡When you're searching for your next home, it's abou...
07/15/2026

A beautiful home is important… but don't overlook the neighborhood. 🏡

When you're searching for your next home, it's about more than the house itself. The right neighborhood can have a lasting impact on your lifestyle, your home's value, and your overall happiness.

The "perfect home" is the one that fits both your life and your future.

If you're thinking about buying, I'd be happy to help you evaluate not just the home—but the entire picture.

There's no "right" way to buy a home—everyone approaches big decisions a little differently.Maybe you're:🦉 The Owl – You...
07/07/2026

There's no "right" way to buy a home—everyone approaches big decisions a little differently.

Maybe you're:
🦉 The Owl – You love the details and want to understand every number.
🦊 The Fox – You're always thinking three steps ahead.
🦁 The Lion – You know what you want and are ready to make it happen.
🦌 The Deer – You appreciate guidance, reassurance, and a steady pace.

The best mortgage experience isn't one-size-fits-all. It's about having a team that understands how you make decisions and tailors the process to fit your style.

⭐⭐⭐⭐⭐ Nothing means more than knowing our clients felt supported every step of the way.Buying a home is one of life's bi...
07/01/2026

⭐⭐⭐⭐⭐ Nothing means more than knowing our clients felt supported every step of the way.

Buying a home is one of life's biggest milestones, and our goal is to make the financing process as smooth and stress-free as possible. Hearing that Tiffany felt informed, cared for, and confident throughout her journey is exactly why we do what we do.

Thank you, Tiffany, for trusting us with your home financing. Congratulations on your new home—we're so grateful to have been part of your story! 🏡💙

💰 A 1% rate change can make a bigger difference than most buyers realize.On a $400,000 home, just a 1% difference in int...
06/30/2026

💰 A 1% rate change can make a bigger difference than most buyers realize.

On a $400,000 home, just a 1% difference in interest rate can change your monthly payment by about $250—that's more than $3,000 every year.

That's why buying a home isn't just about chasing the lowest rate. It's about understanding your options, locking in the right loan at the right time, and having a team that helps you make informed decisions.

If you're wondering what today's rates could mean for your budget, let's run the numbers together. You might be surprised by what's possible.

Refinancing isn't one-size-fits-all. 🏡Whether you're looking to lower your payment, tap into your home's equity, switch ...
06/25/2026

Refinancing isn't one-size-fits-all. 🏡

Whether you're looking to lower your payment, tap into your home's equity, switch loan types, or pay off your mortgage sooner, there may be an option that fits your goals.

🏡 Homeownership is more than having a place to call your own—it’s a powerful financial tool.When you buy a home, you're ...
06/17/2026

🏡 Homeownership is more than having a place to call your own—it’s a powerful financial tool.

When you buy a home, you're not just paying for shelter. You're:

✔️ Building long-term wealth through equity
✔️ Creating a disciplined savings strategy
✔️ Positioning yourself against inflation
✔️ Gaining stability with predictable housing costs

While renting may make sense for some stages of life, owning a home can provide opportunities to grow your net worth and invest in your future.

Thinking about buying a home but not sure where to start? Let's talk about your options and create a plan that works for you.

Many buyers wait for a "better" time to buy, but housing markets don’t always move as expected. A lower home price can h...
06/12/2026

Many buyers wait for a "better" time to buy, but housing markets don’t always move as expected. A lower home price can help affordability, but higher interest rates may increase monthly payments enough to offset those savings. At the same time, rising home values and limited inventory can make homes more expensive over time, while waiting may mean missing out on equity growth.

Instead of trying to perfectly time the market, focus on whether buying makes sense for your finances, timeline, and long-term goals today. I can help you evaluate your options and create a strategy that fits your needs.

Address

4239 N Loop 1604 W, Suite 310, Shavano Park
San Antonio, TX
78249

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