Cedric Johnson
Mortgage Banker
Experience. Education. Execution.
Over 35 years in mortgage banking — a board-certified instructor who has financed every property type imaginable. I am not a rate quote. I am the banker agents, builders, and borrowers call when the deal is complex — renovation, construction, commercial, and investment financing done right. I underwrite your file as I build it, so you always know exactly where you stand.
Since 1986
A Note From Cedric
I have served the real estate community since 1986 — working alongside agents, brokers, builders, developers, contractors, municipalities, and non-profits. In that time I have financed homes of every type using nearly every program the industry offers. When I originate a loan, I underwrite it as I build the file, and I share a clear checklist with you so there are no surprises. You will never wonder what is happening with your loan. That is the difference between a transaction and a trusted banker.
I Underwrite As I Build
I structure and pre-underwrite your file from day one — so issues are solved before they become problems, not after.
A Clear Checklist
You get a shared checklist that sets proper expectations and keeps your closing fast, smooth, and predictable.
Board-Certified Instructor
A Virginia-certified continuing-education instructor in 203(k), VA, and Reverse lending. I teach this — I don't just sell it.
Always Reachable
Call, text, or email. You work directly with me through every step — not a call center.
What I Do
The complex deals most loan officers refer out — I specialize in them.
Renovation — 203(k) & HomeStyle
FHA 203(k) and FNMA HomeStyle. Buy and renovate in one loan.
Construction & Development
Construction-to-perm, single and double close, ground-up development.
Commercial
Commercial real estate and larger project financing.
Investment / DSCR
Cash-flow-qualified investment property loans for 1–4 units and beyond.
Business-Purpose
Business-purpose lending structured around your strategy.
Reverse Mortgages
HECM and reverse lending — a certified instructor's expertise.
Jumbo
Financing beyond conforming limits for higher-value homes.
FHA · VA · Conventional
The full agency toolkit, including VA for those who served.
Knowledge, Freely Shared
Resource & Education Hub
Field-tested guides I've refined over decades. The kind of detail that protects your closing.
Avoiding Mortgage Sabotage
What to do — and what NOT to do — with your paperwork and finances during a loan. The single best way to protect your closing.
Request a copyFHA Well & Septic Requirements
The FHA rules for properties on well and septic. Essential for rural and suburban purchases.
Request a copyVacancy Factors for Rental Income
How rental income is counted — and what's allowed — when financing 2–4 unit and investment properties.
Download PDFSeller Contribution Table
Exactly what can be negotiated toward closing costs in your contract. Most agents and buyers don't know these limits.
Download PDFBankruptcy, Foreclosure & Short Sales
The real waiting periods and seasoning rules after a credit event — and how to get back to financing sooner.
Request a copyContinuing Education for Real Estate Professionals
Through CJBanker Training, I provide state-recognized CE / PLE credit courses for the real estate community. I have taught for GCAAR, Long & Foster, Century 21, Weichert, and many others — with courses on 203(k), VA, Reverse, and the financing details that help agents win and keep clients.
Bring a Class to Your OfficeVirginia DPOR Instructor #0211 000415
Let's Talk
Request a Consultation
Tell me about your project — a purchase, a renovation, a commercial or investment deal, or a scenario another lender turned down. I'll review it personally and tell you exactly how to structure it.
- (703) 926-5417
- Cedric@cjbanker.com
- Virginia · Maryland · Washington, D.C.