CMG Mortgage, Inc., que opera como CMG Home Loans, con número de registro NMLS n.° 1820, es una entidad crediticia de vivienda equitativa. Banquero hipotecario registrado en el Departamento de Ahorros y Préstamos Hipotecarios de Texas. Banquero hipotecario autorizado por el Departamento de Servicios Financieros del Estado de Nueva York. Autorizado por el Departamento de Banca y Seguros de Nueva Jersey. Licencia hipotecaria residencial de Georgia n.° 15438. Para consultar nuestra lista completa de licencias estatales, visite www.cmgfi.com/corporate/licensing y http://www.nmlsconsumeraccess.org.
Este sitio web no está autorizado para aceptar solicitudes en Nueva York.
How NJHMFA helps you
$0 de pago
inicial con Buyer's Choice
CMG Home Loans is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal housing lender. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025.; AK #AK1820; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Hawaii Mortgage Loan Originator Company License No. HI-1820. Mortgage Servicer License No. MS068. 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; Licensed by the Oregon Division of Financial Regulation #ML-3000; 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. Licensed by the Washington Department of Financial Institutions under the Consumer Loan Act No. CL-1820. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. NMLS Consumer Access (www.nmlsconsumeraccess.org).
Anthony Barber
Branch Manager, NMLS ID# 210951
Contact Your
Local Lender For More Information!
What is a first-generation home buyer?
¡No se requiere ser comprador primerizo ni cumplir requisitos de zona geográfica o militares!
An individual:
Whose parents or legal guardians do not have any present ownership interest in any residential real property in any state or territory of the United States
Whose spouse, or domestic partner, and each member of whose household has not, during the 3-year period ending upon acquisition of the eligible home to be acquired using such assistance, had any present ownership interest in any residential real property used as their principal residence in any state or territory of the United States. or outside the United States
An individual who has at any time been placed in foster care in the State of New Jersey
AND
OR
$22,000
Wishing you could buy your first home? Between interest rates, home prices, and down payments, it’s a costly venture that not everyone can afford. It can be especially hard for first generation home buyers. But New Jersey Housing and Mortgage Finance (NJHMFA) have a program that can help.
NJHMFA Down Payment Assistance
What is a
first-generation home buyer?
An individual:
Whose parents or legal guardians do not have any present ownership interest in any residential real property in any state or territory of the United States
Whose spouse, or domestic partner, and each member of whose household has not, during the 3-year period ending upon acquisition of the eligible home to be acquired using such assistance, had any present ownership interest in any residential real property used as their principal residence in any state or territory of the United States. or outside the United States
An individual who has at any time been placed in foster care in the State of New Jersey
AND
OR
How NJHMFA helps you
30-year Fixed Rate First Mortgage
Down Payment Assistance (DPA) Program
Smart Start Plus
First-Generation Home Buyer
Program
Up to $22,000 towards down payment & closing costs!
Toward Your Down Payment
The down payment assistance programs come as forgivable second loans*. Check out the county list to see how much you could get towards your down payment!
County List
Amount of Smart Start DPA
First-Generation Home Buyer
Total Amount
Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Salem, Sussex, Warren
$10,000
$7,000
$17,000
Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Union
$15,000
$7,000
$22,000
30-year Fixed Rate First Mortgage
Down Payment Assistance (DPA) Program
Smart Start Plus
First-Generation Home Buyer
Program
Up to $22,000 towards down payment & closing costs!
*Loan is forgiven over a period of 5 years, as long as the borrower remains in property as their primary residence. If home is sold, transferred or no longer is borrower’s primary residence, the unforgiven funds will become due and payable
Considere el programa Buyer's Choice de la FHA, que TAMBIÉN se
puede combinar con HomeFundItTM
Subvención para el pago inicial condonable durante 5 años
O
Segunda hipoteca reembolsable a 10 años para el pago inicial Y una tasa hipotecaria más baja para el préstamo principal.
La elección
If the NJHMFA
isn’t for you,
consider the FHA Buyer’s Choice Program ALSO Available outside
of NJ
Special home location
Military experience
Certain income limit
First-time buyer
Home buyer education
Does not require
Plus, it allows for lower credit scores than some other down payment assistance programs and has a higher loan-to-value (LTV)
What does this mean?
It can cover a buyer's entire down payment AND some closing costs
101.5% LTV
If you choose the 10-year option, you can also get a LOWER INTEREST RATE on your main loan
10-yr repayable second mortgage for your down payment AND a lower mortgage rate on your primary loan
5-yr forgivable down payment grant
OR
The Choice
¡Estamos muy contentos de haber trabajado con John Trama y CMG! Todo el proceso fue muy sencillo. ¡Siempre estuvo disponible para cualquier pregunta e hizo todo lo posible para conseguirnos la mejor tarifa posible!
EL PROCESO FUE MUY SENCILLO
Kaitlynn K.
Revisión (Nov. 2024)
¡Fue increíble trabajar con John y su equipo! Siempre estuvieron disponibles para cualquier pregunta o inquietud y superaron las expectativas; Hicieron que el proceso de obtener una hipoteca fuera lo más sencillo y fácil posible para nosotros. Esperamos volver a trabajar con ellos en el futuro.
ES INCREÍBLE TRABAJAR CON ÉL
Adrian G.
Revisión (Oct. 2024)
¡Tuvimos una experiencia increíble trabajando con John y su equipo! Hizo que nuestra primera experiencia de compra de vivienda fuera muy sencilla. Él y su equipo ofrecieron actualizaciones y explicaciones constantes a lo largo de cada paso del proceso, lo que nos hizo sentir muy cómodos e informados mientras navegamos por lo que podría haber sido un momento muy confuso.
EXPERIENCIA INCREÍBLE
Maria D.
Revisión (Oct. 2024)
No requiere
Experiencia militar
Cierto límite de ingresos
Ser comprador primerizo
Cursos educativos para la compra de vivienda
Ubicación especial del hogar
Además, permite puntajes de crédito más bajos que otros programas de ayuda al pago inicial y tiene una
relación préstamo-valor (LTV) más alta
Si elige la opción reembolsable a 10 años, también puede obtener una TASA DE INTERÉS MÁS BAJA
en su préstamo principal.
¿Qué significa esto?
Puede cubrir todo el pago inicial del comprador Y algunos costos de cierre.
Hasta un 101.5%
de LTV
TESTIMONIOS
John Trama
GERENTE DE SUCURSAL, NMLS ID# 657339
445 Camino Ancho y Hueco, Suite 225 Melville, Nueva York 11747
Rama NMLS# 2477720
