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)

Get More InfoGet More Info

*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 Today

Contact me for more information!

Jonathan Joachim

LOAN OFFICER | NMLS ID# 413808

Text MeCall Me

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

Contact Me Today

Mike Denslow

Branch Manager, NMLS ID# 419059

Text MeCall Me

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!

Get More Info

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

Get More Info

All In One Loan 1x Close Construction-to-Permanent Program™

One application, loan, and closing

24/7 access to equity

Loan amounts to $3M

Text MeCall Me

LOAN OFFICER | NMLS ID# 413808

Jonathan Joachim

Contact me for
more information!

LOAN OFFICER | NMLS ID# 413808

Jonathan Joachim

Text MeCall Me

Jonathan Joachim

LOAN OFFICER | NMLS ID# 413808

Text MeCall Me