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November 2023 by Liz M
Kelly & her team helped me purchase two houses and refinance my mortgage twice in the last 14 years. I have always been impressed by Kelly’s expertise and professionalism. Her willingness to make sure I understood the entire process from start to finish gave me great peace of mind and helped make my home buying process exciting instead of stressful.
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November 2023 by Sharon Perez
Kelly and her team were awesome. We had a short escrow and time was of the essence. They were professional and explained the process clearly. They did what they said they would do. Cannot not ask for more. Thank you to the entire team.
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November 2023 by L V
Kelly and her team at Cornerstone are amazing. They worked with me every step of the way, from pre-approval to closing, making sure I understood the process along the way. I look forward to working with them again in the future.
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March 2023 by ariel colon
You know when people say “if I could give a negative star I would” well this is one of those moments. In 2021 we had a property under contract and we’re switching lenders. A real estate agent recommended me to Marsh Kelly. I spoke to Kelly and explained to her that I was switching lenders and had only 21 days to do it before it fell out of contract. She seemed nice and said that they could meet the deadline but wouldn’t give me a quote on the cost on their lender fees for a whole week!? Now looking back I realized that they knew their cost were high and probably didn’t want me shopping around for a reduce price. I went to their office twice to ask to speak to Kelly but was told that she was in a meeting and could not see me. She would only email me and my wife and maybe talked to us once on the phone. She had a member from her team whom would work with us directly. After they sent the closing cost and buy down of points prices me and my wife were flabbergasted! At that time rates were their lowest ever and they were charging us almost 40 k for 3.99 45k 3.5 47k for 3.25. My wife and me were both in shock. I begged the lender that we had previously to take us back but he declined and said that he wouldn’t be able to meet the deadline. My wife was gonna kill me if we lost the house and warned me not to switch lenders again. I was watching you tube when I ran into Erik Sandstrom from Prime Lending located in San Diego. I told him my dilemma and he said he could meet the deadline of 14 days. We got a reappraisal asap and made it. I only paid $5,500 for a 2.75 interest rate and a 3.00 APR. I also paid down the pmi for only 7k. Altogether I paid that lender 15k. I already have two kids but if I have another I promise to name him after Erik lol. I don’t know why anyone would pay for these ladies service’s. They are over priced, rude, and think that because they work in Santa Barbara they could take advantage of middle class people. Oh yeah and this is for Sam Bonnie who was rude to us when we were trying to negotiate closing cost and told us that lenders don’t haggle on points…. I guess some lenders do sweetie! Lol
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February 2023 by Susie Anders
Much gratitude to Kelly, Bonnie and their entire team at Cornerstone for helping us through our (somewhat complicated!) loan process. Their thoroughness, transparency, and perseverance allowed me and my family to return to Santa Barbara, my home town, from out of state, and purchase a beloved home. They always promptly answered my calls and questions and helped us understand and feel comfortable throughout the process. We had a complicated situation with several family members involved, through which they expertly navigated. I highly recommend Cornerstone, and so appreciate the friendly professionalism and expert knowledge of Kelly and Bonnie.
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February 2023 by Peg Jarrott
Where I had experienced no progress with another lender, Cornerstone employees were quick to understand and complete my refinance. I had a successful refi within a month and now am thankful every month when I send off my loan payment which is now significantly less than my previous mortgage. I would definitely recommend Cornerstone with complete confidence that they have the knowledge and expertise to do a great job.
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December 2022 by Grégoire Jacob
My wife and myself were first time buyers looking for a home during the summer of 2021. Kelly and her team were a great support during this exciting yet scary process. The team was really responsive, took the time to navigate and explain our options as well the various documents and stages. The rates they offered us were great and we definitely had a great experience. To prepare our offer and once it got accepted the team moved so fast to ensure we were on time at every step.Thanks again Kelly, Bonnie, Catherine, Emily, Heather, and the rest of the team from our new home that we really enjoy!
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December 2022 by Ali Holmes
My husband and I had been looking to buy our first home for over 1.5 years before switching to Cornerstone at the recommendation of our agent. Within six months of working with Cornerstone, we found and bought the home of our dreams. They were able to get creative with our finances in order to stretch our budget and supported us throughout the entire process. Cannot recommend them enough!
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December 2022 by Alexandra Drexler
Kelly and her team are the best! They helped make my first home purchase a breeze. Thanks to her team (shoutout to Bonnie) for helping me navigate the whole loan process and providing a great experience.
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December 2022 by Christopher Odell
Kelly and her team at Cornerstone have handled our last 3 home loans. Nearly every time there has been some tricky things to handle too, particularly as I’m self-employed. They have always found a way to get us the best rates possible with a minimum of trouble. We are so grateful for their help and we would not go elsewhere.
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December 2022 by Dan Demaray
Wanted to recommend Cornerstone Home Lending and the Kelly Marsh Team. Over the years we have worked with several lending institutions throughout California. This organization is by far the most professional of all of them. From initial e-mail, everyone had a single purpose, secure financing for the client in the most expeditious manner and at the best rates. We even sent an e-mail inquiry on a Sunday and a couple hours later received a repose to start the process. Each step along the way had a personal contact person that would respond in a timely manner. Document requests were well organized and timely. From initial contact to escrow closing could not have gone any better due to the dedication of everyone at Cornerstone Home Lending and the Kelly Mash.Team.The Demaray Family
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December 2022 by Miyuki Nakano
From the beginning to the end of this home buying process, everyone at Cornerstone was extremely helpful and courteous. Especially, Bonnie Sam was very helpful explaining the process to me and was always quick to respond back to me. I highly recommend Cornerstone.
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December 2021 by Pamala Oslie
We had a wonderful experience working with Kelly Marsh and her team at Cornerstone Home Lending. They helped us refinance our property years ago and we were so impressed with their professionalism, integrity and efficiency that we chose to work with them again on our latest refinance. We always felt like they knew exactly what they were doing so we were completely comfortable and confident. The loan process can be complicated and overwhelming, something we’ve experienced firsthand through many other house purchases in other states. But Kelly and her team made the loan process seamless and easy. We highly recommend Kelly Marsh and her team at Cornerstone Home Lending. Pam & Edward
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December 2021 by Dancebymoon
We've worked with Kelly Marsh and Cornerstone 3 times over the past 14 years and we have had our expectations exceeded every time. She and her team are professional, detail driven and efficient. Everything is done online with clearly set expectations and well explained deadlines along the way.With our most recent refinance, she even advised us against refinancing a second property since our current rate was already low, and really we're really just borrowing against our existing equity - putting our financial goals ahead of her commission.There's no need to go anywhere else but Cornerstone Home Lending with your home financing needs!!!!
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December 2021 by Christy Rockwood
We have been clients of Kelly Marsh for 20 years. She helped us with our very first home mortgage loan and we have refinanced with her several times since then. She and her team always make us feel comfortable, even when we may not understand all of the terminology. She and her team are incredibly knowledgeable, professional, experienced, responsive and trustworthy. We highly recommend Cornerstone Lending.