Our Team
Meet Steffen Cushing A Decade In Mortgage Lending
Steffen Cushing isn’t just a mortgage expert—he’s a trusted advisor who has spent over 10 years helping families, investors, and first-time homebuyers navigate the complexities of home financing.
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Your Trusted Partner in Homeownership
At OnPoint Mortgage, we believe that securing a home loan is more than just a transaction—it's a journey toward achieving your dreams. Our mission is to simplify the mortgage process, empower homebuyers with knowledge, and ensure that every client feels confident and supported every step of the way.
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Helping You Build More Than Just Equity We Help You Build Home
At OnPoint Mortgage, we believe a mortgage isn't just a loan it's a launchpad for your future. We’re not here to throw industry jargon at you or flash empty guarantees. We’re here to guide you through one of life’s most pivotal decisions with clarity, compassion, and confidence. We’ve walked side by side with first-time buyers who thought “there’s no way,” and helped them unlock keys they never imagined they could hold.
What people are saying about us
Akarsh Sabhaney
What truly sets Steffen apart is his dedication to his clients. He took the time to understand our needs as first time home buyers and provided personalized solutions that worked best for us. He was always responsive, patient, and proactive in ensuring everything was handled efficiently.
Justin Conley
"Steffen was great to work with on the purchase of our home, very grateful for his knowledge and expertise. Made everything smooth and easy, definitely would recommend."
Kendra Cloyd
Everyone knows that closing on a home can be very stressful. But with Steffen Cushing, he kept me informed every step of the way. Were there some hiccups along the way, yes. But Steffen always explained in detail what they were & the next steps he was going to take.
William S
"Steffen, is very knowledgeable, attentive and customer driven. His main goal is to give great customer service to his clients."
Chella G
"Our situation made this a tough loan but they got it closed at a great interest rate! couldn't be happier."
Phoebe's Heavenly DeSigns
Amazing Customer Service!!!I highly recommend this company...It was a pleasure working with Steffen at OnPoint Mortgage, LLC. My husband and I did a VA home equity refinance loan with cash out at closing. The process from beginning to end was professional and efficient. Steffen always went the extra mile to keep us updated with all the details of the loan. He paid attention to details and got our loan approved in record time. It was refreshing to know that there is still that old fashioned customer service in this busy world!
Frequently asked questions
What’s the first step in getting approved for a mortgage?
The first step is getting pre-approved. It’s like a financial snapshot that tells you (and us) how much home you can afford. You’ll fill out a short form, we’ll check your credit, and then talk options—no pressure, no commitment.
What loan programs do you offer for self-employed buyers?
We specialize in helping business owners, freelancers, and entrepreneurs. Bank statement loans, 1099 options—we’ll find the one that works with how you really earn, not just what your tax return says.
Can I get pre-approved even if my credit isn’t perfect?
Yes. We work with buyers at all credit levels. Don’t worry if yours isn’t perfect we’ll walk you through your options and even give advice on how to improve your score if needed.
Can I transfer my current mortgage to a new property?
Not exactly, but we can help you structure the financing so moving is easy. If you’re upgrading, downsizing, or relocating, we’ll show you how to transition smoothly.
What documents will I need to apply?
You’ll typically need pay stubs, bank statements, tax returns, and ID. But don’t stress—we’ll send you a checklist and help every step of the way. It’s less paperwork than you think.
Do you offer mortgage options for investment or second homes?
Yes, we do. Whether it’s a rental property, vacation home, or your next flip, we’ve got loan options designed for investors including conventional, DSCR, and asset-based programs.