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.