Mortgage Strategist at Cornerstone Home Lending
Designed to Protect Your Sellers. Empower Your Listings. Support Every Buyer.
At the heart of every successful home sale is certainty — and The Listing Lender Program delivers exactly that.
Created by Steve Combs and powered by Cornerstone Home Lending, this program equips listing agents with a seamless way to validate the strength of every financed offer submitted on their listing. It ensures peace of mind for sellers and sets your listing apart with elite-level buyer presentation tools — all at no cost to the seller.
What Is It?
The Listing Lender Program is a seller-focused prequalification process that requires all financed offers to be reviewed and prequalified by our team before they’re considered. If the buyer chooses to use a different lender, no problem — we simply request their fully underwritten preapproval in addition to our review.
This process is both legally compliant and transparent, with a standardized seller disclosure and buyer notice included in the listing documents. You’ll also find a brief video overview of our exclusive Payment Affordability Program, which helps buyers see real numbers that reflect their cost, not just the rate.
How to Use It (Simple & Compliant)
For sellers requiring buyer prequalification through the Listing Lender, the process is:
[Download the official disclosure for your listing → Available on this page.]
Why Agents Love It — The 5 Big Benefits
The Listing Lender Difference
We don’t just issue a surface-level letter. When a buyer receives a Conditional Loan Approval from Steve Combs, they’ve already been reviewed for:
Your seller gets the real picture of their buyer — up front.
Complete Marketing Suite
Included Services:
**A Note for Buyer Agents**
Your client’s choice of lender is always their own — this program simply verifies that financed buyers meet a consistent standard for consideration. If they plan to use a lender you trust, great — they’ll just need to provide a valid, credit-underwritten preapproval alongside their Listing Lender approval.
Our goal isn’t to interfere — it’s to ensure fairness, trust, and transparency in a high-stakes market.
Watch the Payment Affordability Program Video Now
See how our unique affordability snapshots help buyers understand payment ranges in today’s terms — not yesterday’s estimates.
Questions? Want a walkthrough?
Text or call Steve directly at 301.672.8771 or schedule a time at MeetSteveCombs.com
Let’s make every listing safer, stronger, and easier to close.
Welcome to the Listing Lender Program!
Source: Optimal Blue Mortgage Market Indices (OBMMI). Indices reflect aggregate rate lock data. Learn more.
“Steve is the best lender I've work with to date. He was very detailed from initial offer to closing and always kept me up to speed as to where I was in the process. I'll will be recommending him to anyone in the market for a home.”
adam
“Steve Combs was great to work with! He’s very friendly, efficient and communicative throughout the entire process. He has helped me with the purchase of now 2 houses and would highly recommend him and Cornerstone Home Lending.”
marcia beazley
“Steve Combs and his teams are best, if anyone looking to buy house first thing first, don’t hesitate to call Steve and get pre approval. I highly recommend”
rifz time
“Fantastic experience working with Steve and his team! Everyone was highly communicative throughout our home buying process and helped us navigate as first time home buyers. Highly recommend!”
kayla titialii-torres
“Steve Combs and his team were wonderful to work with. Very patient and explained our options well. Thanks for your help in making our dream come true!”
nancy lee
“Steve was amazing right from the beginning! He is clearly very knowledgable and is able to explain everything in a way that is easy to understand. He was very detail-oriented and worked to ensure we were well taken care of. We are so glad that we decided to trust Steve while buying our first home!”
amber noegel
“Steve was amazing right from the beginning! He is clearly very knowledgable and is able to explain everything in a way that is easy to understand. He was very detail-oriented and worked to ensure we were well taken care of. Even with the bumps at the end (not due to any fault of his own!), we were very confident in Steve's ability to work everything out and for our benefit. We are so glad that we decided to trust Steve while buying our first home!”
“Steve Combs was very professional and hands on. I purchased from out of state and working with him was the easiest part of the whole process. My experience with Steve was smooth and straightforward and I feel he had my best interest at heart. Thank you!!”
ashley ellison
“Steve Combs is one of the best lenders I worked with. He treating his clients with professionalism and really care about getting the best terms on the loan for his clients. It’s not about his interest, it’s about what ever it takes to make his customers happy. I always refer my clients to Steve Combs.”
natalya ford,