Licensed Mortgage Loan Officer · NMLS #293785

Real options to buy, invest, or lower your mortgage. The time is now.

I’m Piero Cornejo, a licensed Mortgage Loan Officer. Whether you’re looking to buy your first home, invest in real estate, or lower your current monthly payment — let’s talk.

In just one call, I’ll walk you through your options — no cost, no pressure.

FREE CONSULTATION

What’s your situation?

Tell me a bit about your goals, and I’ll show you your options.

— Before you assume you don’t qualify

Let me be honest with you

Most people who call me say: “I didn’t think I’d qualify.” And in many cases… they actually do.

The issue usually isn’t credit or income. It’s that no one ever explained their options clearly.

That’s exactly what I do.

— How I can help you

Not everyone starts from the same place.

Some people want to buy their first home, others want to invest, and some just want relief from high monthly payments. Find where you fit:

For Homebuyers

Buy your first home with no down payment

A real FHA-backed program that allows you to purchase a home with 100% financing — no down payment required. A legitimate program supported by the federal government, designed for working families.

What you need to qualify

How does the process work?

We start with a quick call to review your credit, income, and situation.
If you qualify, we move forward with a fast pre-approval.

With that pre-approval letter, you can start house hunting with a real estate agent.

I handle the entire mortgage process — communication with the lender, paperwork, coordination — and stay with you every step of the way until you get your keys.

This is for you if…You have a 620+ credit score, stable income, and want to buy a home in the U.S. — but don’t have enough saved for a down payment. With FHA, that doesn’t have to stop you.

For Investors

DSCR Loans: Invest without using your personal income

Designed specifically for real estate investors. Instead of evaluating your personal income, we look at how much the property can generate in rent. If rent covers the mortgage, you may qualify.

What you need

How does the process work?

We analyze the property you want to buy (or are considering) and estimate its rental income based on market data.

Then we compare that to the projected mortgage payment.
If the numbers make sense, we move forward with the application.

No W-2s. No employment letters. No tax returns required.

This is for you if…You want to invest in rental property, have funds for a down payment, but your reported income doesn’t qualify for a traditional loan.

For Homeowners

FHA Streamline: Lower your payment, no hassle

If you have an FHA loan and interest rates have dropped since you purchased, you may be able to reduce your monthly payment without a full refinance. Simpler, faster, less paperwork.

What you need

What happens?

We review your current loan — your rate, balance, and payment history.
Then I show you what your new payment could look like with a lower rate and how much you’d save monthly.

If it makes sense, we move forward.
The process is faster because your loan is already government-backed.

This is for you if…You have an FHA loan, are current on payments, and want to lower your monthly payment without going through a long process.

— How it works

No 50-page forms. No months of waiting without answers.

Here’s what happens:

We review your case

Free consultation. You explain your situation — no pressure, no judgment. In about 20 minutes, you’ll know if you have real options.

I show you your options

I don’t give you just one answer. I walk you through the programs available to you, your estimated payment, and what to expect — all explained clearly.

We move forward

Once you decide to proceed, I handle the process. You gather the required documents, and I take care of everything with the lender.

MORTGAGE LOAN OFFICER

Piero Cornejo

NMLS ID # 293785

— Why work with me?

Because I understand what it feels like not to understand the system.

I work with families every day, and I know how overwhelming this process can feel when you don’t know where to start.

What my clients say

Frequently Asked Questions

Do I need a lot of savings to start?

Not necessarily. There are down payment assistance programs that can cover up to 100% of your down payment if you qualify. Minimum credit score is typically 620 with stable income. Your first call with me is free — I’ll tell you exactly what you need.

What credit score do I need?

First-time homebuyer programs: 620+
Conventional loans: 640+
DSCR loans: varies (focus is on rental income)

Tell me your situation, and I’ll give you a clear answer.

How long does the process take?

Typically 30 to 45 days from start to closing if documents are ready. FHA Streamline can be faster.

Can I apply if I’m self-employed or paid in cash?

It depends on your work history and how you report income. For DSCR loans, personal income isn’t required — only rental income matters. For home purchases, options exist if you have at least 2 years of work history.

Do you charge for the consultation?

No. The initial consultation is completely free. If you move forward, I’ll explain all costs clearly — standard for any mortgage process.

Is my information safe?

Yes. I’m a licensed Mortgage Loan Officer (NMLS #293785), regulated by the state. Your information is protected by law and never shared without your consent.

— The only way to know is to ask

You don’t have to decide anything today.

Just tell me your situation. In one call, I’ll tell you if you have real options — and if you don’t, I’ll tell you that too.

📞

Call or Text(703) 899-7972

Talk to Piero

Free, no pressure. Just honest answers.

PIEROCORNEJO

Loan approval is subject to credit qualification and lender requirements.