The Kelly Marsh Team

The Kelly Marsh Team Kelly Marsh NMLS ID # 245822 | Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB.
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Cornerstone Loan Officers deliver personalized mortgage solutions with in-house processing, underwriting, and closing. Focused on seamless customer experiences, our expert loan officers provide tailored guidance from prequalification to closing. With tools like the LoanFly app, we simplify the mortgage process while ensuring on-time closings. Whether buying a home or refinancing, Cornerstone’s tru

sted team is dedicated to helping clients achieve homeownership with integrity and efficiency. Contact a loan officer today to begin your home loan journey.

11/28/2025

This season reminds us how much we have to be thankful for — especially the people and partnerships that make our work so meaningful.

Wishing you a happy Thanksgiving!

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

11/26/2025

Are you a homeowner who wants to access your home's equity without changing your mortgage rate?

📞 Give us a call to explore your financing options that work for your unique situation. We're here to help and show you how you can tap into your equity all while keeping your original mortgage rate intact!

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

11/07/2025

What if you already have the credit score you need to buy a house and just don’t know it? 🤯

✅ Many homebuyers *overestimate* the credit score they think they need to qualify for a mortgage. Minimum credit scores may start as low as 500.

✅ A higher score could help you snag a more competitive interest rate—but there’s no need to put homeownership on hold to wait for “perfect credit.”

The fix: Message us to see where you stand. One conversation could change everything!

For educational purposes only. Cornerstone Home Lending does not provide credit repair services. Please contact a qualified professional for specific guidance.

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

10/22/2025

Closing day is finally here! The day you've been working toward for weeks is about to happen. But what should you actually expect? 🏠✨

Remember: this is YOUR day! Ask questions, take your time reviewing documents, and don't be afraid to speak up if something doesn't look right. Your closing team is there to help make this as smooth as possible.

Ready to turn those keys and walk into your new home? The finish line is right there! 🎉

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

10/16/2025

Every day, loan officers help families navigate one of life's biggest financial decisions. From first-time buyers to refinancing pros - we're here to guide you through every step.

Have questions about the mortgage process? Reach out today!

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

🏠 The housing game just changed. Are you ready?The "Big Beautiful Bill" signed this July introduced tax changes that cou...
10/10/2025

🏠 The housing game just changed. Are you ready?

The "Big Beautiful Bill" signed this July introduced tax changes that could save qualifying homeowners thousands of dollars—or leave others behind.

Swipe through to get the full breakdown and see if you're positioned to benefit from these new tax advantages. 👆

Questions about how this impacts your homeownership goals? Let's chat strategy.

To read more: https://www.houseloanblog.net/one-big-beautiful-bill-for-homeowners/

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

10/02/2025

Your home is your biggest investment. Make sure to protect it. From hurricanes and tornadoes to wildfires, earthquakes, and flooding—natural disasters can strike anytime, anywhere.

Don't wait until it's too late! Whether you're facing wildfire season or unexpected flooding, taking these simple steps now could save you thousands later. Your future self will thank you. 💪

Remember: flood insurance takes 30 days to activate, so don't wait for storm season to start thinking about coverage.

Ready to protect your home? Contact Cornerstone Insurance Agency for a personalized quote that fits your needs. https://insurance.cornerstonecapital.com/

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Confused about which loan is right for you? 🤔 You're not alone!There's no "one-size-fits-all" mortgage. The right loan d...
09/29/2025

Confused about which loan is right for you? 🤔 You're not alone!

There's no "one-size-fits-all" mortgage. The right loan depends on your unique situation, goals, and how long you plan to stay in your home.

Don’t guess—get experienced guidance! ✅ Ready to find your mortgage match? Let’s chat about your goals and explore your options.

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

09/25/2025

Mortgage recast vs. refinance: What’s the difference? 🏠💰

Both options can reduce your monthly payment, but they work in very different ways:

1️⃣ A recast adjusts your existing loan after a lump-sum payment.

2️⃣ A refinance replaces your loan with a new one, possibly with new terms or a new rate.

Learn more here: www.houseloanblog.net/mortgage-recast-vs-refinance

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

09/15/2025

Major progress for homebuyers! 🏠✨

The Homebuyers Privacy Protection Act has passed both the House and Senate and is now headed to President Trump's desk for signature.

This landmark legislation will dramatically reduce (though not completely eliminate) spam calls flooding your phone after you apply for a mortgage. Starting about six months after it's signed into law, credit bureaus will face much stricter rules about selling your information to competing lenders.

Here's what changes:

✅ Credit bureaus can only share your mortgage info with lenders you already have relationships with
✅ Much stricter consent requirements for information sharing
✅ Significant reduction in unwanted marketing calls during your mortgage process

Important: You should still opt out of trigger leads for other types of credit like auto loans, credit cards, and personal loans. The new law specifically covers mortgages.

Learn how to fully protect yourself from all trigger leads: www.houseloanblog.net/do-not-call-lists

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

09/11/2025

Today, we pause to remember September 11, 2001—a day that changed us forever.

We honor those we lost, the heroes who answered the call to help, and the countless acts of kindness that emerged from tragedy. Their memory lives on in the compassion we choose each day and in how we continue to care for each other. 💙

Kelly Marsh, NMLS 245822. Cornerstone Home Lending, a Division of Cornerstone Capital Bank, SSB. NMLS ID #2258 | MEMBER FDIC | EQUAL HOUSING LENDER

Address

1828 State Street
Santa Barbara, CA
93101

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+18055631100

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