Jackie Cuneo

Senior Loan Officer

NMLS ID# 340022

CA BRE ID# 01715957

350 Rhode Island Street
Suite 240 Room 256
San Francisco, CA 94103

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


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 lender 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.