Ready for a Hassle-Free
Mortgage Experience?
Experience a mortgage process that’s as smooth as it is smart. With expert guidance and personalized loan solutions, you can confidently navigate your home search. Secure a pre-underwritten approval and step into your dream home with assurance and ease.
Harvey Jenkins
Mortgage Loan Originator
NMLS# 2125721
Military Precision Meets Financial Expertise
Drawing on a robust finance education from Howard University, refined by years of disciplined service as a Financial Management Officer in the United States Air Force, and further honed through strategic leadership in commercial lending at a Washington, DC hedge fund, I bring a unique blend of precision, integrity, and deep financial insight to your mortgage journey. My commitment is not just to secure you a loan, but to provide a tailored, strategic approach to homeownership that aligns with your long-term financial goals. Experience a service where trust, efficiency, and expert guidance are the cornerstones, ensuring your path to homeownership is as strategic and secure as your financial future.
Click below to book a no-obligation mortgage strategy session.
Residential & Commercial Loan Programs
Find your ideal home or business property loan with our tailored residential and commercial financing options. From first-time homebuyers to seasoned investors, our range includes fixed-rate, adjustable-rate, FHA, VA, and USDA mortgages, alongside specialized commercial solutions. Our team is committed to guiding you through a streamlined and personalized lending process, ensuring you make informed decisions every step of the way.
Conventional (O/O)
Occupancy Type: Primary/Secondary
Loan-to-Value (LTV): Up to 97% LTV
FICO Score: 620 Minimum
Traditional financing income limits apply for some programs.
Conventional (N/O)
Occupancy Type: Non-Owner Occupied (Investor)
Loan-to-Value (LTV): Up to 85% LTV
FICO Score: 620 Minimum
1-4 Units
VA Mortgages
Occupancy Type: Primary
Loan-to-Value (LTV): 100% LTV
FICO Score: 500 Minimum
Must be eligible veteran.
FHA
Occupancy Type: Primary
Loan-to-Value (LTV): 96.5% LTV
FICO Score: 580+ (96.5% LTV)
500-579 (90% LTV)
<580 FICO Requires 10% Down Payment
USDA
Occupancy Type: Primary/Secondary
Loan-to-Value (LTV): Up to 100% LTV
FICO Score: 620 Minimum
Must be in a USDA eligible area and must meet income requirements
Down Payment Assistance
Occupancy Type: Primary
Loan-to-Value (LTV): 100% LTV
FICO Score: 580 or 620 Minimum (Depending on the state and DPA program)
Various down payment assistance programs available
JUMBO
Occupancy Type: Primary/Secondary Home
Loan-to-Value (LTV): Up to 96.5% LTV
FICO Score: 700+ (96.5% LTV)
680+ (89.99%)
No MI option available
Bank Statement Loan
Occupancy Type: Primary/Investor/ Second Home
Loan-to-Value (LTV): Up to 90% LTV
FICO Score: 620 Minimum
Business or personal bank statements
Property Cash Flow (DSCR)
Occupancy Type: Non-Owner Occupied (Investor)
Loan-to-Value (LTV): Up to 85% LTV
FICO Score: 600 Minimum
No Income Verification
Rehab Loans
Occupancy Type: Primary/Second Home/Investor
Loan-to-Value (LTV): Up to 96.5% LTV
FICO Score: 620 Minimum
One-time close funds paid via draws.
Bank Statement Loan
Occupancy Type: Primary/Investor/ Second Home
Loan-to-Value (LTV): Up to 90% LTV
FICO Score: 620 Minimum
Business or personal bank statements
No Ratio
Occupancy Type: Primary
Loan-to-Value (LTV): Up to 85% LTV
FICO Score: 680+ (85% LTV)
640+ (80% LTV)
No employment or income needed
Hard Money Loans
Occupancy Type: Investor
Loan-to-Value (LTV): Up to 75% LTV
FICO Score: 350 Minimum
The lower the FICO score the lower the LTV
HELOC
Occupancy Type: Primary/Investment
Loan-to-Value (LTV): Up to 85% LTV
FICO Score: 620 Minimum
First Lien HELOCs available. 5 Day HELOCs Available.
New Construction
Occupancy Type: Primary/Investor/ Second Home
Loan-to-Value (LTV): Up to 96.5% LTV
(100% VA and USDA)
FICO Score: 620 Minimum
One-time close ground up construction.
Reverse Mortgage
Occupancy Type: Primary
Loan-to-Value (LTV): N/A
FICO Score: NA
No employment or income needed
Non-Warrantable Condo
Occupancy Type: Primary/Investor/ Second Home
Loan-to-Value (LTV): Up to 90% LTV
FICO Score: 660 Minimum
A non-warrantable condo is one that doesn't meet Fannie Mae and Freddie Mac's standards
Cornerstone First Mortgage, LLC
www.cfmtg.com
NMLS ID #173855
An Equal Housing Lender All Rights Reserved. © 2024
Disclaimer: All loans subject to qualifying factors. Not all applications will qualify.
This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.
Licensed for Residential In: GA, TX ,NC, NMLS # 2125721 | NMLS ID 173855| AZMB #0944059
Corporate Address : 2655 Camino Del Rio N. Suite 100; San Diego, CA 92108
@ Copyright 2024 Harvey Jenkins, Mortgage Loan Originator, © 2024 Cornerstone First Mortgage, LLC. All Rights Reserved. NMLS ID #173855 Equal Opportunity Lender.