Terms of Use
Last updated: October 17, 2026
Who operates this site
Golden State Down Payment Assistance (https://goldenstatedownpaymentassistance.com) is operated by Abdul Qayum, Mortgage Loan Originator (NMLS #2444531), with Cornerstone First Mortgage, LLC (NMLS #173855), 2655 Camino Del Rio N, Suite 100, San Diego, CA 92108. By using the site you agree to these terms.
Educational information only
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.
Program figures on this site come from the agencies' published materials and are dated where shown. They can change without notice. The eligibility quiz and calculator are screening tools, not pre-qualifications, pre-approvals or loan decisions.
No agency affiliation
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.
Communications
When you submit the quiz you agree to be contacted as described in the consent language on the form and in our Privacy Policy. Consent to marketing communications is not a condition of applying for or obtaining a loan.
Links to other sites
We link to CalHFA, GSFA, SDHC, NMLS Consumer Access and other third-party sites for your convenience. We do not control them and are not responsible for their content.
Limitation of liability
The site is provided “as is.” To the fullest extent permitted by law, Cornerstone First Mortgage, LLC and its loan originators are not liable for decisions you make based on information on this site. Nothing here limits rights you have under California or federal consumer-protection law.
Questions
Abdul Qayum, Mortgage Loan Originator, NMLS #2444531 · abdul@cfmtg.com · (818) 231-0951. See also our Licensing & Disclosures.