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Straight answers on mortgages, home loans, refinancing and commercial real estate lending from Daniel I. Molinari: how the process works, what's changing, and what it means for buyers, homeowners and investors. Education, not offers.

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Where to Start With a Mortgage: 6 Steps | Lending Intel

Where to Start With a Mortgage: 6 Steps | Lending Intel

Where to start with a mortgage: know your number, get the right letter, check your debt, plan your cash and compare programs before you shop for a house. ...more

Buying a home

October 18, 2026•5 min read

Ready when you are

Your mortgage starts here.

Ready to take the next step? Start your secure application. Not sure which program fits? Contact Daniel's team and he'll walk through your options in plain English.

Start Your Application (opens in a new tab)

Your secure application is with Cornerstone First Mortgage, LLC (NMLS #173855). Starting an application is not a loan approval or a commitment to lend.

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Equal Housing Lender. Daniel I. Molinari, Branch Manager, NMLS #1966441 · Cornerstone First Mortgage, LLC, NMLS #173855.

DanLends Mortgage & Commercial Lending is the brand of Daniel I. Molinari, Branch Manager at Cornerstone First Mortgage, LLC. All loans are originated by Cornerstone First Mortgage, LLC. Branch office: 727 Raritan Rd., Suite 101, Clark, NJ 07066. Daniel I. Molinari is licensed in NJ, FL, PA and CA. Cornerstone First Mortgage, LLC lends in multiple states; see cfmtg.com/states-we-lend-in.

Cornerstone First Mortgage, LLC. NMLS ID# 173855. nmlsconsumeraccess.org. 2655 Camino del Rio N., Ste 100, San Diego, CA 92108. Cornerstone First Mortgage, LLC, is an Equal Housing Lender. All loans are subject to buyer, builder, and property qualification. Cornerstone First Mortgage, LLC is not acting on behalf of or at the direction of HUD/FHA or the Federal Government. This material is informational only and is not an offer of credit or commitment to lend. Interest rates, products, and loan terms are subject to change without notice and may not be available at the time of loan application or loan lock-in. Contact Cornerstone First Mortgage, LLC to learn more about your eligibility for its mortgage products. For more information go to www.cfmtg.com.

* A pre-qualification is an estimate based on information you provide. It is not a loan approval or a commitment to lend. Eligibility depends on borrower, property, and program requirements.

Not affiliated with or acting on behalf of HUD/FHA, VA, USDA, or the federal government. Program availability and eligibility requirements apply. Down payment assistance may be available for eligible borrowers; some programs may require repayment, have income limits, or include occupancy requirements. A refinance may help some borrowers lower their monthly payment, access equity, or adjust loan terms; refinancing may increase total finance charges over the life of the loan, and savings are not guaranteed. Commercial and business-purpose financing is subject to availability, underwriting, and program guidelines.

©2026 Cornerstone First Mortgage, LLC. All Rights Reserved. NMLS ID #173855. Equal Opportunity Lender.