We used Cornerstone Mortgage for the purchase of our first house. They worked very hard to locate extra funds available for first-time home buyers. The process was very smooth, but it was lacking in good information. We had the last appointment of the day for our closing. At the closing, the employee informed us that she needed to rush through the process because she had other things to do. We were also informed that they had miscalculated our mortgage payment, and it would be increased by $100/month. This company has a good local reputation, so hopefully our experience was more the exception than the rule.