Loan Programs
A home loan is unique like you and I, so it is not one size its all.
The type of mortgage you select influences how much you need for the down payment, whether or not you will need mortgage insurance, and how long it will take you to pay off your loan. Let's talk about our goals so we make sure to find the right mortgage for your needs.
FLEXIBLE FUNDING AND LOW DOWN OPTIONS
FHA, VA, USDA, RENOVATION, REVERSE
JUMBO, NON-QM, AIO, HELOC, HOMEFUND IT
Conventional Loans
Most lenders would consider a conventional mortgage as a loan that conforms to the guidelines set forth by Freddie Mac and Fannie Mae, the two government sponsored enterprises (GSEs).
Jumbo Loans
A jumbo mortgage is a mortgage with a loan amount above conventional conforming loan limits.
Home Equity Loans
A home equity loan (sometimes abbreviated HELOC) is a type of loan in which the borrower uses the equity in their home as collateral.
FHA Loans
The FHA’s goals are to improve housing standards and conditions, provide an adequate home financing system through insurance of mortgage loans and to stabilize the mortgage market.
Reverse Mortgages
A lifetime loan available to seniors 62 and older, and is used to release the home equity in the property as one lump sum or multiple payments. The homeowner’s obligation to repay the loan is deferred until the owner sells or passes.
Reovation Loans
The financing for this loan will include the purchase price, as well as the improvements you are either required to do to be able to live in the home, or that you want to do, such as upgrade the kitchen.
VA Loans
The basic intention of the VA direct home loan program is to supply home financing to eligible veterans and military personnel.
Want to learn more or have a unique siutation?
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CMG Mortgage, Inc. dba CMG Home Loans dba CMG Financial, NMLS ID# 1820 (www.nmlsconsumeraccess.org). Equal Housing Opportunity. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025.; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Mortgage Servicer License No. MS068. Hawaii Mortgage Loan Originator Company License No. HI-1820. Massachusetts Mortgage Lender License #MC1820 and Mortgage Broker License #MC1820; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker – NYS Department of Financial Services; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000; Rhode Island Licensed Lender #20142986LL; Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending, and Licensed by the Virginia State Corporation Commission #MC-5521. CMG Mortgage, Inc. is licensed in all 50 states, the District of Columbia, Guam, Puerto Rico, and the Virgin Islands (www.cmgfi.com/corporate/licensing). Registered Mortgage Loan Originator.