Skip to main content
Golden State DPA

Licensing & Disclosures

Last reviewed: October 26, 2026

Company

Cornerstone First Mortgage, LLC
NMLS #173855
2655 Camino Del Rio N, Suite 100
San Diego, CA 92108
Office: (866) 815-1803

Cornerstone First Mortgage, LLC is licensed in many states. Current license status for every state is on NMLS Consumer Access.

California licenses

  • 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. Both licenses are held by Cornerstone First Mortgage, LLC at its San Diego headquarters and were verified on the DFPI License Search on October 17, 2026.

Loan officer

Abdul Qayum
Mortgage Loan Originator
NMLS #2444531
Licensed in: California, Florida, Michigan, Nevada, Texas
View Abdul's license record on NMLS Consumer Access

Real estate broker

Nahida Azad
Broker Associate, CA DRE #01966282
Berkshire Hathaway HomeServices California Realty (Real Estate Innovations, Inc., CA DRE #01996796)
6349 Riverside Avenue, Riverside, CA 92506
View Nahida's license record on the DRE Public License Lookup

An independently owned and operated franchisee of BHH Affiliates, LLC. Berkshire Hathaway HomeServices and the Berkshire Hathaway HomeServices symbol are registered service marks of Columbia Insurance Company, a Berkshire Hathaway affiliate.

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. Nahida Azad does not take loan applications or negotiate loan terms, and Cornerstone First Mortgage, LLC does not provide real estate brokerage services.

California consumer complaints

If you have a complaint about a mortgage loan or about how we handled your inquiry, you may contact the state regulators directly:

Down payment assistance disclosures

Cornerstone First Mortgage, LLC is a CalHFA-approved lender and a Participating Lender in the GSFA Platinum program. This website is operated by Cornerstone First Mortgage, LLC and is not a government website; the California Housing Finance Agency (CalHFA), the Golden State Finance Authority (GSFA) and the San Diego Housing Commission (SDHC) do not operate it. Golden State Finance Authority (GSFA) is a duly constituted public entity and agency. Program terms, eligibility requirements, and availability are set by those agencies and may change without notice.

Program figures on this site were checked against each agency's published program pages, handbooks and term sheets on October 17, 2026. Programs referenced on this website include:

  • CalHFA MyHome Assistance
  • California Dream For All (application window closed)
  • CalHFA ZIP
  • GSFA Platinum
  • GSFA Platinum Select
  • GSFA Platinum Assist-to-Own
  • GSFA Golden Opportunities
  • SDHC City of San Diego Low-Income
  • SDHC City of San Diego Middle-Income
  • SDHC County of San Diego Low-Income
  • Lender-funded FHA down payment assistance
  • Lender-funded conventional down payment assistance
  • GSFA OpenDoors (no longer listed by GSFA as of October 2026)

Assistance described as a “loan” must be repaid under the agency's terms; assistance described as a “gift” or “grant” is not repaid once the agency's conditions are met. Program percentages are maximums set by each agency and are subject to the agency's loan limits, income limits, purchase-price limits, pricing and funding availability. San Diego Housing Commission loans are originated by SDHC-trained loan officers at a participating lender; Abdul Qayum is set up with SDHC.

Loan disclosures

All loans subject to credit approval. Information on this website is for educational purposes and is not a commitment to lend or an offer of credit. Assistance amounts, income and purchase-price limits, and program availability vary by program and county and are confirmed during a full application. Rates, terms and program availability are subject to change without notice.

Equal Housing Opportunity

Cornerstone First Mortgage, LLC is an Equal Housing Opportunity Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

Equal Housing Opportunity Lender

Contact

Abdul Qayum
Email: abdul@cfmtg.com
Phone: (818) 231-0951

See also our Privacy Policy and Terms of Use.