At CorCap, we strive to make the mortgage process as pleasant, positive, and transparent as possible. We feel that communication is the key and make sure that our clients are informed at every step of the mortgage process. We have deep ties to the River Edge community as well as the surrounding areas (Paramus, Hackensack, Oradell, Teaneck, Ridgewood and Wyckoff), and our reputation among our friends and neighbors, as well as with the larger mortgage and banking community, is vital to the success and growth of our brand. We are here to help, inform, and advise; earning your trust and respect is our primary goal with every interaction.
Cornerstone Capital Financial Services LLC was founded in Edison NJ in June of 2007 in the wake of the global economic crisis.The founding partners each brought a disparate set of talents and experiences to the mix; one was a successful wholesale account executive for WAMU with an extensive knowledge of the back office underwriting process as well as contacts with underwriters and loan officers throughout the state, while the other was a top notch loan officer with an intuitive knowledge of the origination process who had managed several retail branches. In July of 2010 Kevin Shanman, the minority partner and former wholesale AE, became the sole owner of Cornerstone and relocated the business (now in Westfield) to his hometown of River Edge.
Six years later, having worked with hundreds of clients in the area, we are proud to be established members of the River Edge/Bergen County business community. It would be our pleasure to assist you in any way we can, whether it is for a purchase or refinance, or if you would just like to find out more about mortgage products or the mortgage process. Consider us a resource for important information about the volatile mortgage industry- we are here to help
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
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NMLS 1795154