About Cheryl Zenski
Bringing Families Home Is More Than My Job—It's My Mission! I have been in the mortgage industry since 1984, and I can honestly say that helping people achieve homeownership is more than a career for me—it's my passion and my mission. As a Mortgage Loan Originator and Mortgage Planner, I bring a unique perspective to every loan because I have also spent years on the underwriting side of the business. I understand what it takes to get a loan approved, and I know how important it is to look at the complete financial picture—not just a set of numbers on a page. My approach is simple: I listen, I ask questions, and then I recommend. I believe every borrower deserves to understand their options and feel confident about the financing decision they are making. My job isn't to put you into a loan. It's to help you find the mortgage solution that best fits your needs, your goals, and your financial future. I love what homeownership can do for people. I help make folks into families. I help make a house a home. I help people plan for their future, save for college, build equity, and create wealth through homeownership. My extensive background in mortgage lending includes experience in loan processing, underwriting, and closing, along with expertise in conventional financing through Fannie Mae and Freddie Mac and extensive knowledge of VA home loans, including VA automatic underwriting and SAR requirements. As a former Direct Endorsement (DE) Underwriter, I bring a level of underwriting knowledge and insight that can make a real difference when navigating complex loan scenarios. After decades in this business, I have learned that mortgage lending requires more than knowing guidelines. It requires critical thinking, common sense, problem-solving, and the ability to see the big picture. I bring all of that experience to every client and every loan. Whether you're a first-time homebuyer, a veteran, a move-up buyer, an investor, or simply exploring your mortgage options, I'm here to help you understand the process and make a smart, informed decision. My mission is simple: to help more people become homeowners, build a stronger financial future, and experience the pride that comes with having a place to call home. I don't just help people get mortgages. I help people make life-changing decisions—and I never take that responsibility lightly.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 28410 Old Town Front Rd, Suite 106 Temecula CA, 92590