Is Putting in an Early Bid on a House Worth it?

Bidding_warMost home buyers carefully consider putting in an offer on a new listing, how long should you wait to make the bid? When should you hold back on putting your bid in?

Unfortunately, there’s no practical advice for this timeline. The pace of home buying is determined in two parts, by the market and by the seller’s motivation. Most real estate professionals agree that buyers shouldn’t wait too long when finding a good home. If you have thoroughly researched than you know the neighborhood and comparable residences that have sold recently. Continue reading “Is Putting in an Early Bid on a House Worth it?”

Lauren Johnson, Residential/Commercial Real Estate Specialist LUX LIFE

LaurenJohnson-showcardIn studio today is guest Lauren Johnson, Real Estate Specialist for LUX LIFE which is powered by Real Estate powerhouse Keller Williams Realty. LUX LIFE specializes in servicing the greater St. Louis Metropolitan area. Lauren’s team is dedicated and committed to providing their clients with the best service available in buying and selling residential property. Their knowledge and experience in new construction, short sales, foreclosures, first time purchases, relocation and resale will make you a LUX LIFER for life!  Continue reading “Lauren Johnson, Residential/Commercial Real Estate Specialist LUX LIFE”

The Importance of Dealing with a Mortgage Expert


Heath Keller, senior loan officer at Cornerstone Mortgage joins Doug and Tammie in studio to discuss the importance of dealing with a mortgage expert. Tune in to 97.1 today @ 4pm or listen to the audio to learn more about CoSigners on loans (aka Non-Occupant CoBorrowers), Loan Quality Initiative, using gift funds, and more! Continue reading “The Importance of Dealing with a Mortgage Expert”

The 5 Cs of Lending

5 csWhen you apply for a loan, lenders assess your credit risk based on  a number of factors which will include: credit/payment history, income, student loans, and your overall financial situation. On todays show Doug goes over information that will help explain these factors, also known as the 5 Cs, so that you can get a better idea of what lenders look for!

Continue reading “The 5 Cs of Lending”

Why Cornerstone?

Cornerstone Mortgage, Inc. continues to be one of the leading retail Mortgage Bankers each year. Cornerstone Mortgage, Inc. was named A Top 100 Mortgage Company in America by Mortgage Executive Magazine. Cornerstone has been featured as one of the fastest growing mortgage companies in America by INC. 500/5000 for 4 years in a row. Revenues at Cornerstone Mortgage, Inc. have grown to exceed $26 million dollars annually with closed loan production surpassing $900 million annually. Other noteworthy achievements include:
Continue reading “Why Cornerstone?”

4th Annual Mouse Races Charity Event for Lydia’s House!


 Nora Mosby, Family Advocate & Immigrant Specialist and Lisa Moseley, Program Director for Lydia’s House join Doug Haldeman, Scott Shafman, and Jason Jacobs of Cornerstone Mortgage to announce their 4th Annual Mouse Races Charity Event! Lydia’s House is a transitional housing program for women and children of domestic violence. It’s a confidentially located safe home for women who can stay for up to 24 months. To find out more information listen to the audio below and visit

Register for the event here: Lydia’s House Registration

If you are unable to attend the event but would like to donate items for the private auction being held on contact Lindsay Timms at 636-534-8609

Continue reading “4th Annual Mouse Races Charity Event for Lydia’s House!”

The Top 37 Things You’ll Regret When You’re Old

serendipity-adventuresToday in studio Doug and Tammie discuss 37 things you’ll regret (if you don’t do now) when you’re old. Listen in, check out the list below, and share this blog post with your Facebook friends!


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Building a Credit Score From Scratch: 5 Easy Steps

Building-BlocksIn the studio today Doug discusses his experience with borrowers who are looking for a mortgage but have no credit. Building credit can be tricky but if you follow these 5 easy steps you can work your way up to an excellent credit score while building a solid credit history. Continue reading “Building a Credit Score From Scratch: 5 Easy Steps”

4 Scenarios to Determine if You are a Risky Borrower

riskyborrowersAs a loan originator, when you are evaluating the risk of a borrower there are four major scenarios that raise a red flag when it comes to the credit worthiness and risk assessment. On today’s show Doug and Tammie discuss four scenarios to determine whether or not you are a risky borrower and how you can improve your chances.
Continue reading “4 Scenarios to Determine if You are a Risky Borrower”

Planning for your Life Events

life stages 2Doug Haldeman is a Life Events Manager, the thing with life events is that some of them bring us enormous joy and some of them bring large amounts of stress. Large amounts of joy could be the birth of a child, graduating college, or getting married. Large amount of stress could be the loss of a loved one, the loss of a job, or divorce.

In Doug’s 20 years of managing life events in the mortgage industry, he has discovered that people only come to see him as their lives are changing.

Doug has come to learn 2 things:
1) The life events that cause us enormous stress weren’t planned
2) That we will all suffer one of two pains. The pain of discipline of the pain of regret.

It is guaranteed that the pain of discipline and planning for life events weighs ounces while the pain of regret and the cost of unplanned life events weighs tons. In some cases it can devastate a family or destroy a dream. Doug has lived through all of these life events, that’s why he loves what he does.

He gets to give his clients peace of mind when they’re prepared. Doug hopes to build stronger families and communities by eliminating much of their stress. What have you done to be sure you and your family are prepared? Continue reading “Planning for your Life Events”