About Abdul Qayum
Reviewed by Abdul Qayum, Loan Officer, NMLS #2444531
Abdul Qayum (NMLS #2444531) is a Mortgage Loan Originator with Cornerstone First Mortgage, LLC (NMLS #173855), based at the company's San Diego headquarters. He has worked in mortgage lending since 2016, about 10 years, and holds loan originator licenses in California, Florida, Michigan, Nevada and Texas.
Golden State Down Payment Assistance is his answer to a problem he sees every week: California buyers hear about “down payment assistance” as one thing, when it is really a dozen programs from three public agencies and a set of lender-funded options, each with its own percentage, calculation base, income rules, credit floor and, most importantly, its own answer to “is this a loan or a gift?” Abdul lays those side by side for each buyer, in writing, before anyone commits to a first mortgage.
How Abdul compares programs
Cornerstone First Mortgage is a CalHFA-approved lender, a GSFA participating lender and an SDHC participating lender, and also offers lender-funded FHA and conventional assistance. For every buyer Abdul checks:
- which programs the buyer's county, income, credit and homeownership history fit;
- what each program's percentage is measured against (CalHFA and SDHC use the lesser of price or appraised value; GSFA uses the first-mortgage loan amount);
- whether the help is a deferred loan, a monthly-repaid second, a gift, or a shared appreciation loan, and when it comes due;
- how each option changes the first-mortgage terms and the total cost over time.
San Diego Housing Commission loans must be originated by an SDHC-trained loan officer at a participating lender; Abdul is set up with SDHC to originate them. See the full program comparison and the questions buyers ask.
What clients say
Abdul's 28 reviews on Experience.com average 5.0 out of 5, most of them collected through closed-loan surveys. The words that repeat are patient, transparent and reachable. Read a selection or see them all .
Abdul's real estate partner: Nahida Azad
Nahida Azad
Broker Associate, CA DRE #01966282 · Berkshire Hathaway HomeServices California Realty, Riverside
Speaks English, Farsi, Urdu
Abdul shares this site with Nahida Azad, a California real estate broker and REALTOR® with Berkshire Hathaway HomeServices California Realty in Riverside, licensed since 2014. On a purchase, Abdul handles the loan and the assistance programs; Nahida handles the home search, the offer and the negotiation. See her Berkshire Hathaway profile or verify her license on the DRE Public License Lookup.
Abdul Qayum (Cornerstone First Mortgage, LLC) and Nahida Azad (Berkshire Hathaway HomeServices California Realty) share this website. They work for separate, unaffiliated companies, and neither pays the other for referrals. You are free to choose any lender and any real estate agent; using one of them never requires using the other.
Licensing & company
Abdul Qayum, Mortgage Loan Originator, NMLS #2444531. Verify his license on NMLS Consumer Access.
Cornerstone First Mortgage, LLC, NMLS #173855
2655 Camino Del Rio N, Suite 100, San Diego, CA 92108
California Financing Law License #603K249 (DFPI). Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, License #41DFPI-209502. Loans made or arranged pursuant to a California Financing Law license.
Cornerstone First Mortgage, LLC is an Equal Housing Opportunity Lender. Company licenses can be verified at NMLS Consumer Access. Full program and legal disclosures are on the Licensing & Disclosures page.
Get in touch
- (818) 231-0951
- abdul@cfmtg.com
- Serving buyers in all 58 California counties from San Diego