Emilio Morales
Division Manager at Cornerstone First Mortgage · Covina, CA
NMLS ID 309557 (opens in a new tab) · verify at NMLS Consumer Access
Emilio Morales (NMLS 309557) is Division Manager at Cornerstone First Mortgage, based in Covina, CA. Licensed in 2 states confirmed with state regulators: Florida and Texas. Cornerstone First Mortgage also offers FHA loan, First-time buyer, HELOC, Real estate investor and Jumbo loan and 7 more (a lender program, not confirmed as their own focus). Earliest state license record: March 24, 2026 (Texas), per state regulator. States 32 years of experience.
Last verified . Sources: Cornerstone First Mortgage (encompasslending.com), Florida state regulator, Texas state regulator and NMLS Consumer Access (license status, check live).
- Earliest state license record: March 24, 2026 (Texas), per state regulator
- 32 years experience (stated)
- Works at an FHA-approved lender, per HUD (opens in a new tab)
- 2 states
- Unclaimed profile
- Disciplinary history not yet checked
Specialties
Focus
No focus listed on their lender page yet.
Their lender offers
FHA loan, First-time buyer, HELOC, Real estate investor, Jumbo loan, Low credit score, New construction, Renovation loan (203k / HomeStyle), Reverse mortgage, Self-employed, USDA loan and VA loan. Programs Cornerstone First Mortgage offers (verified 2026-10-15). Lender-level: not confirmed as Emilio's own focus, so ask.
Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.
Licensed states
✓ Confirmed with the state regulator: FL (opens in a new tab) (LO148056, first effective 2026-05-26), TX (opens in a new tab), verified 2026-10-15.
Contact
A quick automatic check keeps bots from harvesting contact details.
We never see who you contact.
Employment history
Cornerstone First Mortgage NMLS 292897
Current · Covina, CA · seen on lender site 2026-10-15
Disciplinary history
Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access (opens in a new tab).
About
Emilio Morales has over 32 years in the mortgage and real estate industry and previously served as a Regional Vice President. Their personal mission is helping Hispanic families achieve homeownership.
Our summary of the lender page. Verified 2026-10-15.
- Community
- Mission to help Hispanic families achieve homeownership and financial stability
- Source (opens in a new tab), verified 2026-10-15
Sources
| Name and employer | state regulator · encompasslending.com (opens in a new tab) | verified 2026-10-15 |
| Licenses (regulator) | state regulator · sml.texas.gov (opens in a new tab) | verified 2026-10-13 |
| Lender programs | lender site · cornerstonefirst.com (opens in a new tab) | verified 2026-10-15 |
| Summary | state regulator · encompasslending.com (opens in a new tab) | verified 2026-10-15 |
| Contact | lender site · encompasslending.com (opens in a new tab) | verified 2026-10-15 |
| Photo | state regulator · encompasslending.com (opens in a new tab) | verified 2026-10-15 |
| License status | NMLS Consumer Access (opens in a new tab) | check live |
Also available as Markdown, JSON, or via the API.
Cite as: Emilio Morales (NMLS 309557), Cornerstone First Mortgage. LenDb.ai, https://lendb.ai/lo/edgar-morales-309557, last verified 2026-10-15.
Is this you?
Claim this profile to add specialties, a bio and languages, or ask us to fix or remove it.
Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.