© Cornerstone Capital Bank. Member FDIC. NMLS ID# 2258. Cornerstone Capital Bank, SSB also operates under the names of Cornerstone Home Lending and Roscoe Bank. These trade names are used by, and refer to, a single FDIC-insured bank, Cornerstone Capital Bank, SSB. Roscoe Bank, a Division of Cornerstone Capital Bank, SSB, 117 Cypress St, Roscoe, TX 79545. A reverse mortgage is not a government benefit; it is a mortgage loan that must be paid back according to the program’s requirements. This material is not provided by, nor was it approved by, the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). Cornerstone Capital Bank is not affiliated with the U.S. government.