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5.5%. Yes, you read that right. A new financing option is opening the door for qualified homebuyers, with variable interest rates starting as low as 5.5%*. Here's what you need to know: • Buy a home with a HELOC. Unlike a traditional HELOC used to access existing home equity, this option allows qualified buyers to use a home equity line of credit to purchase a home. • Interest-only payments for the first 10 years. Potentially lower initial monthly payments, with a 20-year repayment period to follow. • Financing up to $1.5 million for eligible primary residences and up to $1 million for eligible second homes. • As little as 20% down for qualifying primary residence purchases. Why does this matter? Because a traditional mortgage isn't your only option. The right financing strategy could make a meaningful difference in your initial monthly payment and overall borrowing costs. Before you make an offer, let's compare the numbers. 📩 hello@moderndaylending.com Modern Day Lending, a team of Cornerstone First Mortgage | NMLS #173855 | Equal Housing Lender | nmlsconsumeraccess.org --- *5.50% starting variable interest rate, subject to change. Rate based on WSJ Prime plus a margin. Actual rate and eligibility depend on credit profile, LTV, occupancy, and program requirements. 10-year interest-only draw period followed by 20-year amortizing repayment; payments may increase. Minimum 20% down for eligible borrowers. Not available in NY or TX. All loans subject to credit approval. Not all buyers will qualify. Not a commitment to lend. Modern Day Lending, a team of Cornerstone First Mortgage | NMLS #173855 | Equal Housing Lender | nmlsconsumeraccess.org
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What a few days at Hidden Creek. The 2026 Agents Against Cancer Golf Invitational brought 42 real estate and finance professionals together for two full days on property: an intimate field, member-guest style matches, and relationships that go well beyond business. Together with the Chicago Gala, AAC raised more than $310,000 for the American Cancer Society this year, its biggest year yet. That brings the three-year total past $630,000, with $1 million in sight. Modern Day Lending is proud to support this community and the cause behind it. Thank you to Jenn Anderson for founding AAC, Jake Nolan and the golf committee for building something truly different, and everyone who showed up. Next up: the NYC Gala and the Golf Invitational at Dormie Club in West End, NC. Sign up for early updates, link in bio. @agentsagainstcancer @americancancersociety @hiddencreeknj @dormienetwork @jakenolanrealestate @andersoncoastal.compass @mliggz @mpost2121 @themortgage_ace @richarddgarvey @thenolanteam_compass #AgentsAgainstCancer #AmericanCancerSociety #ModernDayLending #CharityGolf #RealEstateGivesBack
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One year of being your wife, and a lifetime still to go. I couldn’t imagine a better person to do life with or a better man to be the father of our son. I’m so grateful for the life we’re building together & all the beautiful memories still ahead of us. If I had to do it all over again, I’d choose you every time. Happy 1st anniversary, my love. I love you tons 🤍
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Getting a mortgage as a self employed borrower can be difficult. Maybe you don’t show enough income on your returns or showing income has been complicated elsewhere. There is typically a solution for each and every situation. With so many programs, there’s typically an option for you. 1. Bank Statement Loan 2. Asset Depletion Loan 3. Profit and Loss Statement Loan 4. 1099 Income Loan 5. DSCR Loan 6. No Income Loan If you have any questions feel free to shoot me a message… #realestate #mortgage #selfemployed #entrepreneur
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Self-employed? Investor? Foreign national? Your income is real, even if it doesn’t fit on a W-2.   Our Non-QM Suite offers loans up to $5M with bank statement, 1099, DSCR, asset qualifier, and ITIN options.   Let’s find the right fit. Send me a message or call (516) 606-3855.   Jarrod Pine | NMLS #173855 | Cornerstone First Mortgage, LLC | Equal Housing Lender   #NonQM #Mortgage #RealEstate #DSCR
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Self-employed does not mean unqualified. Traditional income documentation doesn’t always tell the full story - especially when you own a business or work for yourself. With a bank statement loan, eligible borrowers may be able to use 12-24 months of bank statements to calculate qualifying income, without traditional tax returns.* Different income. Different path to financing. 📲 Connect with the Modern Day Lending Team to see what you qualify for. —- * Program availability, qualification and documentation requirements vary. Additional conditions may apply. Modern Day Lending, a Team of Cornerstone First Mortgage NMLS # 173855 | Equal Opportunity Lender #moderndaylending #realestate #selfemployedmortgage #mortgagetips
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CLOSED | SEPT 2026 📍 Market: San Diego, California 🏡 Asset Type: Single Family Residence ✨ 5 BD | 6.5 BA | 5,153 SqFt 💰 Loan Amount: $2,425,000 📄 Loan Type: Conventional 🔑 Loan Purpose: Purchase Loan Officer: Maxwell Post, NMLS# 1109256 Modern Day Lending, a Team of Cornerstone First Mortgage, NMLS# 173855 BUYER AGENT: Wesley Royal, Coldwell Banker Luxury SELLER AGENT: Jonathan Rodriguez, CA Flat Fee TITLE: Emmanuel Alvarez, Chicago Title Company
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What a weekend supporting @agentsagainstcancer & @americancancersociety. ⛳️ MDL was incredibly proud to sponsor such a meaningful few days, bringing together an amazing group of people in support of an even greater cause. Special thanks to @andersoncoastal.compass & @jakenolanrealestate for organizing such an incredible event, and to the teams at @hiddencreeknj & @dormienetwork for the unbelievable hospitality all weekend long. Sharing a little BTS from our time on the course — with much more to come. Stay tuned for our full weekend recap and a look at the impact this group made together‼️ 🎥 @campsnapcamera
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Complex deals require more than a quick approval. They require experience, strategy, and the right team behind them. We sat down with @seanlane778 and @themortgage_ace for a Deal Spotlight to break down a recent transaction and the creative solutions that made it happen. At Modern Day Lending, we specialize in finding a way forward when others can't. That's the difference experience makes. #DealSpotlight #ModernDayLending #MortgageExperts #CreativeFinancing #HomeLoans #LoanStrategy #MortgageBroker #RealEstateFinance — @rapidrisemedia
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CLOSED: JULY 2026 | MIAMI BEACH, FL Another standout luxury closing for Modern Day Lending - this time at Portofino Tower in Miami Beach’s coveted South of Fifth neighborhood. This 2,340-square-foot corner residence pairs expansive living space with sweeping water views, private outdoor space and the full-service, resort-style lifestyle Portofino Tower is known for. Situated along the waterfront with access to pools, tennis, fitness facilities, valet and more, this is South Beach living at its best. We're proud to help bring this $2.635M conventional purchase across the finish line. 📍 MARKET: MIAMI BEACH, FLORIDA 🏢 ASSET TYPE: CONDOMINIUM 3 BD | 2.5 BA | 2,340 SQFT 💰 LOAN AMOUNT: $2,635,000 LOAN TYPE: CONVENTIONAL LOAN PURPOSE: PURCHASE LOAN OFFICER: ADAM MACBRIDE, NMLS# 1218352 MODERN DAY LENDING A TEAM OF CORNERSTONE FIRST MORTGAGE, NMLS# 17385 BUYER AGENT: DORA KOVACS, B&S LUXURY, KELLER WILLIAMS SELLER AGENT: JEFFREY MILLER, ONE SOTHEBY’S TITLE: CATHLEEN M. PLASENCIA, SAPPHIRE LAW FIRM
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The 2000s 🎬 #2days
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Mike and the @devcora.build team break down one of the most important factors in any real estate transaction: time. Time is money—and nothing can derail a deal faster than inexperience, unnecessary delays, or a team that doesn’t know how to move when it matters. When the clock is ticking, experience makes the difference… that’s when you call Modern Day Lending. #ModernDayLending #RealEstate #RealEstateInvesting #Mortgage #PrivateLending —- Modern Day Lending, a team of Cornerstone First Mortgage. @rapidrisemedia
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