MORE PROGRAMS & PERKS
Temporary & permanent buydowns
10/6 and 7/6 ARMs
Builder extended locks (up to 365 days) with float down
One-time float down for locked rates
Unlimited recasting for Conventional Loans
$0 loan origination fee
Competitive pricing for all loans (low margin)
Builder Zone
Welcome to CMG’s BUILDER ZONE. We know how hard our builders work, which is why we strive to provide more mortgage programs custom-built for YOU.
Programs BUILT for You
CONSTRUCTION FINANCING
One Application, One Closing, One Loan Include land in the financing or build on a lot you already own
Loan amounts up to $3 Million Dedicated, In-House Construction Team manages draws
Build a new primary or vacation home
PROGRAM BENEFITS
30-year draw home equity line of credit
Includes secured personal sweep-banking
Repays loan principal faster during construction
Money used to paydown remains liquid 24/7
Lowers monthly and lifetime interest expense
builder advantage programs
exclusive programs
more programs & Perks
Up-front lock deposit required, but refunded at closing
Allows for rate locks up to 360 days, giving builders confidence that they can start and finish a home without financing falling through.
No cost float down option within 30 days of closing
Available for Conventional, FHA, VA and USDA Loans
BUILDER ADVANTAGE PROGRAMS
*CMG Home Loans will cover all customary lender fees which are processing fee, administrative fee, tax service fee, appraisal fee and credit report fee. In addition CMG Home Loans will also credit the borrower up to $1,000 towards additional third-party fees. This offer does not cover discount points. Credit cannot exceed total fees. Rate Rebound is only valid on future conventional conforming, government, and jumbo loans in our retail channel (future Construction Loans, All in One, HELOCs, Bond or HFA loans are excluded). There may be additional restrictions based on investor. Offer may not be redeemed for cash or credit and is nontransferable. Offer cannot be retroactively applied to any loans. Offer may not be used with any other discounts, promotions or interest-only/buy-down and second lien products. This offer is subject to changes or cancellation at any time at the sole discretion of CMG Home Loans. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Program will be available on loans disclosed on or after 11/1/22. Program is applicable for refinances 6 months after closing up to 5 years from original note date and with a net tangible benefit which includes a rate reduction of 0.5%, going from an ARM to fixed rate, reducing loan term, movement to a more stable product, or a lower principal and interest payment. By refinancing the existing loan, the total finance charges may be higher over the life of the loan.
Minimum trade of $1MM required for fund allocation
Allows builders to buy down interest rates and advertise to buyers in advance of homes being sold.
Available for Conventional, FHA, VA and USDA Loans
Lock terms up to 90 days on purchases
Flexible fee structure
Enables faster home closings
Protects borrowers from rising interest rates, allowing them to buy now, and refinance to a lower rate (if rates fall) with NO lender fees, NO appraisal fee, NO credit report fee and $1,000 off additional third party fees*.
Helps create more homeowners, sooner
Incentivizes buyers to buy now vs. wait
Allows builders to lock & advertise discounted interest rates on unsold homes to draw in more buyers.***
Locks up to 90 days
No upfront cost
Available for Conventional, FHA, VA, and USDA Loans
Automated, customized marketing collateral made for you
Down payment gifting platform that allows you to raise money via an online campaign and accept gifts from anyone with a credit or debit card.
No fees, no offline paperwork
Grant of $2,000* from CMG Home Loans
UpIt™ contributions from over 1,000 participating retailers**
EXCLUSIVE PROGRAMS
*Grant is a $2-to-$1 match on regular down payment gifts received on HomeFundIt™, up to the lesser of $2,000 or 1% of purchase price for first time buyers, as defined by Fannie Mae, who complete homebuyer education prior to signing a purchase contract. Talk to your loan officer or visit your HomeFundIt dashboard for next steps, or you can also find a housing counselor near you by visiting https://www.hud.gov/counseling. Grant funds are applied to nonrecurring closing costs. If closing costs are fully paid by seller or interested party, grant funds can be used to buy down the rate. Grant funds cannot be used towards a down payment. Visit https://www.homefundit.com/Grant for complete terms and conditions. **The UpIt store, partner affiliates, and shopping pledges are a service provided by The Home Dream Foundation © (3). UpIt is available only to customers of HomeFundIt. For complete terms and conditions of HomeFundIt, please visit https://www.homefundit.com/Terms. ***This lock cannot be transferred to another property address. While List & Lock™ can help buyers significantly, it is not a guarantee to lend. If a buyer is interested in purchasing the listed home at the advertised rate, they must still qualify for the loan. The benefit is that they won’t have to qualify for the loan based on the higher market rates; instead, they will be qualifying on the List & Lock™ rate. They will have several loan options to choose from through List & Lock™ -- Conventional, FHA, VA, and select adjustable-rate mortgages (ARMs). The same type of credit and discount can be applied to other loan programs, but rate adjustments could occur. If you’re concerned your closing could extend beyond the 60-day period, contact your loan officer to discuss extension possibilities.
CONSTRUCTION FINANCING
One Application, One Closing, One Loan Include land in the financing or build on a lot you already own
Loan amounts up to $3 Million Dedicated,
In-House Construction Team manages draws
Build a new primary or vacation home
PROGRAM BENEFITS
30-year draw home equity line of credit
Includes secured personal sweep-banking
Repays loan principal faster during construction
Money used to paydown remains liquid 24/7
Lowers monthly and lifetime interest expense
MORE PROGRAMS & PERKS
Temporary & permanent buydowns
10/6 and 7/6 ARMs
Builder extended locks (up to 365 days) with float down
One-time float down for locked rates
Unlimited recasting for Conventional Loans
$0 loan origination fee
Competitive pricing for all loans (low margin)
*This lock cannot be transferred to another property address. While List & Lock™ can help buyers significantly, it is not a guarantee to lend. If a buyer is interested in purchasing the listed home at the advertised rate, they must still qualify for the loan. The benefit is that they won’t have to qualify for the loan based on the higher market rates; instead, they will be qualifying on the List & Lock™ rate. They will have several loan options to choose from through List & Lock™ -- Conventional, FHA, VA, and select adjustable-rate mortgages (ARMs). The same type of credit and discount can be applied to other loan programs, but rate adjustments could occur. If you’re concerned your closing could extend beyond the 60-day period, contact your loan officer to discuss extension possibilities.
**CMG Home Loans will cover all customary lender fees which are processing fee, administrative fee, tax service fee, appraisal fee and credit report fee. In addition CMG Home Loans will also credit the borrower up to $1,000 towards additional third-party fees. This offer does not cover discount points. Credit cannot exceed total fees. Rate Rebound is only valid on future conventional conforming, government, and jumbo loans in our retail channel (future Construction Loans, All in One, HELOCs, Bond or HFA loans are excluded). There may be additional restrictions based on investor. Offer may not be redeemed for cash or credit and is nontransferable. Offer cannot be retroactively applied to any loans. Offer may not be used with any other discounts, promotions or interest-only/buy-down and second lien products. This offer is subject to changes or cancellation at any time at the sole discretion of CMG Home Loans. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Program will be available on loans disclosed on or after 11/1/22. Program is applicable for refinances 6 months after closing up to 5 years from original note date and with a net tangible benefit which includes a rate reduction of 0.5%, going from an ARM to fixed rate, reducing loan term, movement to a more stable product, or a lower principal and interest payment. By refinancing the existing loan, the total finance charges may be higher over the life of the loan.
©All In One Loan™, ©The Smarter Way To Borrow™, ©The Smarter Way To Borrow, And Build™ and the All In One Loan logo are trademarks of CMG Financial. All rights reserved.
CMG Mortgage, Inc. dba CMG Home Loans dba CMG Financial, NMLS# 1820, is an equal housing lender. Licensed by the NJ Department of Banking and Insurance. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org.
1715 Highway 35, Suite 201, Middletown, NJ 07748 | Branch NMLS ID# 2478559
Contact me for more information!
Builder Zone
Welcome to CMG’s BUILDER ZONE. We know how hard our builders work, which is why we strive to provide more mortgage programs custom-built for YOU.
Programs BUILT for You
Allows builders to buy down interest rates and advertise to buyers in advance of homes being sold.
Lock terms up to 90 days on purchases
Minimum trade of $1MM required for fund allocation
Available for Conventional, FHA, VA and USDA Loans
Flexible fee structure
No cost float down option within 60 days of closing
Available for Conventional, FHA, VA and USDA Loans
Up-front lock deposit required, but refunded at closing
Allows for rate locks up to 361 days, giving builders confidence that they can start and finish a home without financing falling through.
Incentivizes buyers to buy
now vs. wait
Enables faster home closings
Protects borrowers from rising interest rates, allowing them to buy now, and refinance to a lower rate (if rates fall) with NO lender fees, NO appraisal fee, NO credit report fee and $1,000 off additional third party fees**.
Helps create more homeowners sooner
BUILDER ADVANTAGE PROGRAMS
Allows builders to advertise discounted rates on your builds with immediate access to free marketing collateral.*
Lock term for 60 or 90 days
Up to 5 properties
Discounted Rates
Customized Marketing
No Upfront Cost!
Building your dream home can help you potentially save tens of thousands on interest costs
*This lock cannot be transferred to another property address. While List & Lock™ can help buyers significantly, it is not a guarantee to lend. If a buyer is interested in purchasing the listed home at the advertised rate, they must still qualify for the loan. The benefit is that they won’t have to qualify for the loan based on the higher market rates; instead, they will be qualifying on the List & Lock™ rate. They will have several loan options to choose from through List & Lock™ -- Conventional, FHA, VA, and select adjustable-rate mortgages (ARMs). The same type of credit and discount can be applied to other loan programs, but rate adjustments could occur. If you’re concerned your closing could extend beyond the 60-day period, contact your loan officer to discuss extension possibilities.
**CMG Home Loans will cover all customary lender fees which are processing fee, administrative fee, tax service fee, appraisal fee and credit report fee. In addition CMG Home Loans will also credit the borrower up to $1,000 towards additional third-party fees. This offer does not cover discount points. Credit cannot exceed total fees. Rate Rebound is only valid on future conventional conforming, government, and jumbo loans in our retail channel (future Construction Loans, All in One, HELOCs, Bond or HFA loans are excluded). There may be additional restrictions based on investor. Offer may not be redeemed for cash or credit and is nontransferable. Offer cannot be retroactively applied to any loans. Offer may not be used with any other discounts, promotions or interest-only/buy-down and second lien products. This offer is subject to changes or cancellation at any time at the sole discretion of CMG Home Loans. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Program will be available on loans disclosed on or after 11/1/22. Program is applicable for refinances 6 months after closing up to 5 years from original note date and with a net tangible benefit which includes a rate reduction of 0.5%, going from an ARM to fixed rate, reducing loan term, movement to a more stable product, or a lower principal and interest payment. By refinancing the existing loan, the total finance charges may be higher over the life of the loan.
©All In One Loan™, ©The Smarter Way To Borrow™, ©The Smarter Way To Borrow, And Build™ and the All In One Loan logo are trademarks of CMG Financial. All rights reserved.
CMG Mortgage, Inc. dba CMG Home Loans dba CMG Financial, NMLS# 1820, is an equal housing lender. Licensed by the NJ Department of Banking and Insurance. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org.
1715 Highway 35, Suite 201, Middletown, NJ 07748
Branch NMLS ID# 2478559
Building your dream home can help you potentially save tens of thousands on interest costs
All In One Loan 1x Close Construction-to-Permanent Program™
One application, loan, and closing
24/7 access to equity
Loan amounts to $3M
Lock term for 60 or 90 days
Allows builders to advertise discounted rates on your builds with immediate access to free marketing collateral.*
Up to 5 properties
No Upfront Cost!
Discounted Rates
Customized Marketing
All In One Loan 1x Close Construction-to-Permanent Program™
One application, loan, and closing
24/7 access to equity
Loan amounts to $3M
LOAN OFFICER | NMLS ID# 413808
Jonathan Joachim
Contact me for
more information!
LOAN OFFICER | NMLS ID# 413808