Lo

Jackie Cuneo

Senior Loan Officer

NMLS ID#: 340022

CA BRE ID#: 01715957

350 Rhode Island Street
Suite 240
San Francisco, CA 94103

Direct: 415-948-5390
Direct Fax: 415-723-7178

jcuneo@summitfunding.net

Welcome to my site! I look forward to working with you on your purchase preapproval or refinance.

I am passionate about sharing my knowledge and resources to put each client of mine into a mortgage to meet both immediate and long-term goals, and providing my Real Estate partners with the highest level of service. As a former top producing San Francisco Realtor®, I understand the tight timelines and need for effective collaboration in today's purchase environment. Since 1997, I have owned, renovated and sold property, and firmly believe in mortgage financing as a powerful wealth-building tool.

I chose to work at Summit Funding because I truly believe it offers a great combination of rates, product and process to make a daunting yet essential process as smooth as possible.

  • Purchase specialist, concierge level service for my clients
  • Excellent communicator, negotiator, creative problem solver, collaborator
  • Summit is a direct conforming and and true jumbo direct lender just like "the big banks"--but with less overlays, faster turntimes, high-touch personal service, and hand-picked LOCAL appraisers. We underwrite, fund, and service our loans. We also broker loans when this is needed for the client.
  • Refinance to lower rate, pull cash out
  • Direct Fannie Mae, Freddie Mac (conforming loans), FHA, VA, USDA
  • Condo conversion financing specialist (coordinate multiple loans, fund concurrently)
  • Specialty loans for unique borrower profiles or challenging properties including condos with litigation, rural properties, hobby vineyards, mixed-use, bankruptcy, short sale, foreclosures

Why we are able to deliver the best lending experience:
As a privately owned residential mortgage company operating across the country, our customers enjoy the benefits of working with a mortgage lender that is powerful enough to be a direct endorsed seller/servicer with GNMA & FNMA. This means we process, underwrite, fund, and service your loans - all in house.

~~To complete your preapproval or refinance application, we will need the following:

  • Completed online loan application. Please use the "apply now" button to get started.
  • Color photo ID. If you are not a citizen, we need front and back of your green card OR passport with visas.
  • Last 2 paystubs. If you receive commission or bonus, we need end of year paystubs for the last 2 years
  • Yearly award letter/last 2 statements to show income from pensions, social security, disability or similar programs
  • Last 2 bank statements to show your assets available for downpayment and reserves. Most programs require anywhere from 2-12 months reserves (full principal, interest, insurance and tax payments)
  • Last 2 years' W2 forms, K1s
  • Last 2 years' filed tax returns. If you are a partner/owner of a corporation (more than 25% ownership) we will also need corporate tax returns.
  • If you own property, latest mortgage statement, property tax bill and insurance declarations page
  • Signed authorizations. Please contact me for these forms.

There's much more additional documentation that can be required depending on your individual circumstances. We'll let you know what else will be needed to help make your purchase or refinance go smoothly.

I am on standby to answer any question you have regarding financing, home loans, or the home purchase process. My contact information is below - please feel free to call or email me, or request an in-person meeting.

TESTIMONIALS

  • Victor C

    Jackie is a very diligent and tenacious mortgage advisor. We sought a particularly tough loan - HOA litigation, investment property, very tight deadline. Of the myriad lenders I talked to, Jackie was the only lender willing to take on the challenge, and she helped us complete the very difficult process on time. Without her help, I would not have been able to get a loan for this property.

  • Sarah G

    I had the privilege of working with Jackie through the long and tedious process of finding a house. Jackie was not only a great help but always been a great advisor to us. Jackie's command on mortgage and finance and her exceptional ability to extent unconditional support during any time of day or night is absolutely amazing. As new home owners we cant thank Jackie enough for her support, and advise all throughout the process and for making home buying a pleasant experience. I can clearly recommend Jackie without reservation and would recommend anyone looking for a house in the bay area to reach out to Jackie for the best advise and support.

  • Sara C

    My partner and I reached out to Jackie on a recommendation from a family member when we decided to purchase our first home. Jackie is incredibly knowledgeable about real estate transactions in San Francisco and walked us through the different loan scenarios that were available to us. Needless to say as first time home buyers we had many questions- Jackie made herself available to us, responding promptly and patiently to our inquiries, instilling confidence and trust along the way. Our transaction was slightly unique, we purchase the home from a close family member, and Jackie was able to give us valuable insight into the property tax laws in California regarding parent to child real estate sales which ended up being very advantageous for us. When it came time to locking our rate she delivered well below her estimate. Our experience with Jackie and her team was excellent and I would highly recommend her to anyone purchasing real estate in San Francisco.

  • Tushar P

    Going through the loan process with Jackie as our mortgage adviser was one of the best decisions we made to get our place. She is very detailed oriented, took a lot of time to go through and explain the entire process to us. She helped us with some financial basics upfront, documents required ahead of time (we had plenty of time to get and collect all the documents reqd), getting us the pre-approval, and kept us up to date with everything that was happening in the background. We would definitely recommend Jackie to everyone.

  • Ankur C

    Jackie helped me buy my first home. She was on top of everything from the start. She laid expectations from the outset and reached or exceeded them every single time. She ensured that my documentation was complete, all parties involved were meeting our timeline and that the turnaround was always immediate. I would gladly work with her again in the future.

  • Vikram A

    Jackie was able to help me re-finance my mortgage which brought my rate down significantly. She was prompt with answering questions, had a good system for online document collaboration, and was understanding of my own schedule and work needs.

  • Ghia J

    We were so lucky to have Jackie work with us as we purchased our first home! She was a blessing to work with; always professional and easy to reach. Since this was a new process for us my husband and I called Jackie on more than one occasion panicked looking for guidance and information. Jackie always fully explained the process and calmed our fears!

  • Barry B

    Jackie is a superb mortgage advisor who guided us with great expertise through our re-finance process, which can be complicated and daunting. Her prompt and helpful answers to our questions gave us the guidance and comfort we needed to make this an extremely successful, and as stress-free as possible, enterprise. We're thrilled with our new mortgage and are pleased to unconditionally recommend her services to anyone seeking home financing.

  • Teresa G

    Jackie is a gem! Jackie is by far the most professional and helpful mortgage professional I've ever encountered. She lives by the old saying, "two ears and one mouth," meaning she listens attentively and never passes judgment or gives comment where it isn't needed or wanted. Since Jackie was a real estate agent for many years, she is also expert in knowing the ins and outs of San Francisco contracts. Her knowledge helped us get into contract and close with a flawless escrow process.

  • Ashvin V

    Jackie helped us with our first home purchase. We had special financial needs because of our down-payment constraints. We had a lot of trouble customizing our loans with our primary bank (of 5+ years). Our realtor recommended Jackie who was extremely knowledgeable and was able to quickly customize the mortgages for us. She is extremely responsive, always available by email or phone for us. We had a couple of offers that needed a quick turnaround on the pre-approval letter and Jackie was always up to the task.

  • Connie P

    It was a pleasure working with Jackie and her team. She was very patient with us, and we had a situation that was more complicated than the conventional loan/mortgage. She always made sure our ducks were in a row when they needed to be. Jackie is very knowledgeable, calm, and took the time to explain and clarify things whenever we couldn't understand something (which was often!). I would recommend Jackie without hesitation! She is awesome.

  • Tina P

    I am a first time home owner, because of Jackie. She worked with me knowing that I didn't have many options and took the challenge head on. She was always professional and very informed about every rule in the book. She worked fast and efficient and always tried to be mindful of my work schedule. There were many times Jackie could have thrown in the towel, told me to wait until 2012. She didn't she kept looking for new ways to get me into a home. Not just any home MY HOME. I have already passed on Jackie's information to friends interested in buying a home, her knowledge of loan guidelines and the industry is comparable to no other.

  • Victor C
    Jackie is a very diligent and tenacious mortgage advisor. We sought a particularly tough loan - HOA litigation, investment property, very tight deadline. Of the myriad lenders I talked to, Jackie was the only lender willing to take on the challenge, and she helped us complete the very difficult process on time. Without her help, I would not have been able to get a loan for this property.

  • Sarah G
    I had the privilege of working with Jackie through the long and tedious process of finding a house. Jackie was not only a great help but always been a great advisor to us. Jackie's command on mortgage and finance and her exceptional ability to extent unconditional support during any time of day or night is absolutely amazing. As new home owners we cant thank Jackie enough for her support, and advise all throughout the process and for making home buying a pleasant experience. I can clearly recommend Jackie without reservation and would recommend anyone looking for a house in the bay area to reach out to Jackie for the best advise and support.

  • Sara C
    My partner and I reached out to Jackie on a recommendation from a family member when we decided to purchase our first home. Jackie is incredibly knowledgeable about real estate transactions in San Francisco and walked us through the different loan scenarios that were available to us. Needless to say as first time home buyers we had many questions- Jackie made herself available to us, responding promptly and patiently to our inquiries, instilling confidence and trust along the way. Our transaction was slightly unique, we purchase the home from a close family member, and Jackie was able to give us valuable insight into the property tax laws in California regarding parent to child real estate sales which ended up being very advantageous for us. When it came time to locking our rate she delivered well below her estimate. Our experience with Jackie and her team was excellent and I would highly recommend her to anyone purchasing real estate in San Francisco.

  • Tushar P
    Going through the loan process with Jackie as our mortgage adviser was one of the best decisions we made to get our place. She is very detailed oriented, took a lot of time to go through and explain the entire process to us. She helped us with some financial basics upfront, documents required ahead of time (we had plenty of time to get and collect all the documents reqd), getting us the pre-approval, and kept us up to date with everything that was happening in the background. We would definitely recommend Jackie to everyone.

  • Ankur C
    Jackie helped me buy my first home. She was on top of everything from the start. She laid expectations from the outset and reached or exceeded them every single time. She ensured that my documentation was complete, all parties involved were meeting our timeline and that the turnaround was always immediate. I would gladly work with her again in the future.

  • Vikram A
    Jackie was able to help me re-finance my mortgage which brought my rate down significantly. She was prompt with answering questions, had a good system for online document collaboration, and was understanding of my own schedule and work needs.

  • Ghia J
    We were so lucky to have Jackie work with us as we purchased our first home! She was a blessing to work with; always professional and easy to reach. Since this was a new process for us my husband and I called Jackie on more than one occasion panicked looking for guidance and information. Jackie always fully explained the process and calmed our fears!

  • Barry B
    Jackie is a superb mortgage advisor who guided us with great expertise through our re-finance process, which can be complicated and daunting. Her prompt and helpful answers to our questions gave us the guidance and comfort we needed to make this an extremely successful, and as stress-free as possible, enterprise. We're thrilled with our new mortgage and are pleased to unconditionally recommend her services to anyone seeking home financing.

  • Teresa G
    Jackie is a gem! Jackie is by far the most professional and helpful mortgage professional I've ever encountered. She lives by the old saying, "two ears and one mouth," meaning she listens attentively and never passes judgment or gives comment where it isn't needed or wanted. Since Jackie was a real estate agent for many years, she is also expert in knowing the ins and outs of San Francisco contracts. Her knowledge helped us get into contract and close with a flawless escrow process.

  • Ashvin V
    Jackie helped us with our first home purchase. We had special financial needs because of our down-payment constraints. We had a lot of trouble customizing our loans with our primary bank (of 5+ years). Our realtor recommended Jackie who was extremely knowledgeable and was able to quickly customize the mortgages for us. She is extremely responsive, always available by email or phone for us. We had a couple of offers that needed a quick turnaround on the pre-approval letter and Jackie was always up to the task.

  • Connie P
    It was a pleasure working with Jackie and her team. She was very patient with us, and we had a situation that was more complicated than the conventional loan/mortgage. She always made sure our ducks were in a row when they needed to be. Jackie is very knowledgeable, calm, and took the time to explain and clarify things whenever we couldn't understand something (which was often!). I would recommend Jackie without hesitation! She is awesome.

  • Tina P
    I am a first time home owner, because of Jackie. She worked with me knowing that I didn't have many options and took the challenge head on. She was always professional and very informed about every rule in the book. She worked fast and efficient and always tried to be mindful of my work schedule. There were many times Jackie could have thrown in the towel, told me to wait until 2012. She didn't she kept looking for new ways to get me into a home. Not just any home MY HOME. I have already passed on Jackie's information to friends interested in buying a home, her knowledge of loan guidelines and the industry is comparable to no other.

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