GET STARTED ON YOUR HOME BUYING JOURNEY
Stop Sending Money to Credit Card Companies
Use your home equity to consolidate high-rate debt into one lower-rate payment. A HELOC may save you thousands over the life of your balances.
1This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or require a waiting period prior to closing. Loan amounts range from a minimum of $25,000 to a maximum of $750,000. Your maximum loan amount may be lower than $750,000, and will ultimately depend on your home value, lien position, credit profile, verified income amount, and equity available at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.
To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
CMG HOME LOANS 3160 CROW CANYON ROAD SUITE 400, SAN RAMON, CA 94853 NMLS# 1820
How To Apply
To get started, complete our short contact form or give us a call to speak with a licensed mortgage professional, who can answer your questions, discuss options, and help you apply over the phone.
There's no application fee and no in-home appraisal required.
Pay off credit cards, personal loans, and other high-interest debt.
A HELOC (Home Equity Line of Credit) is a flexible way to use your home's equity to pay off debt.
How a HELOC Works
• Single-family residences (detached homes, townhomes, condos, PUDs, etc.)
• Primary residences, second homes or investment properties are eligible
• Minimum FICO credit score of 640 (primary residences)
Access up to $750,000 in as few as three days1 with HELOC from CMG Home Loans. See how much cash you can get with an easy process and no impact to your credit score.
Work with an Experienced Home Equity Specialist
Get started today with a quick check to see how much equity you can access to consolidate debt, save money, and simplify your finances. Click below to explore your options or call 888-404-4828 to speak with a home equity specialist.
Pay Off High-Interest Debt with Your Home Equity
Keep your mortgage rate and simplify your payments in minutes.
No application fee • No credit impact • No obligation
No impact to your credit to check.
• One payment instead of five
• Typically lower than card APRs
• Pay off in years, not decades
1. Get approved for a line of credit
Your limit is based on your home's value, mortgage balance, and credit profile
2. Draw funds as needed
Use your line to pay off high-interest debt or cover other expenses
3. Make one simpler payment
Pay interest only on what you use, often at a much lower rate than credit cards
HELOC Eligibility
• Often Lower Rates Than Credit Cards
• One Monthly Payment
• Flexible Access to Funds
• No Refinance Required
Use the equity in your home to take control of high-interest debt.
A Smarter Way to Pay Off Debt
Get guidance from a team that helps homeowners access equity every day, without disrupting your current mortgage.
• Dedicated home equity specialists
• Fast, straightforward process
• No obligation to move forward
• Personalized options based on your situation
• No refinance required
• Combine multiple payments
• Quick, simple process
A HELOC allows homeowners to pay off credit cards, personal loans, and other high-interest debt, and lower their monthly payments.
Home Equity Specialists
Get guidance from a team that helps homeowners access equity every day.
• Dedicated home equity specialists
• Fast, straightforward process
• No obligation to move forward
• Personalized options
Use the equity in your home to take control of high-interest debt.
A Smarter Way to Pay Off Debt
• Often Lower Rates Than Credit Cards
• One Monthly Payment
• Flexible Access to Funds
• No Refinance Required
A HELOC (Home Equity Line of Credit) is a flexible way to use your home's equity to pay off debt.
How a HELOC Works
1. Get approved for a line of credit
Your limit is based on your home's value, mortgage balance, and credit profile
2. Draw funds as needed
Use your line to pay off high-interest debt or cover other expenses
3. Make one simpler payment
Pay interest only on what you use, often at a much lower rate than credit cards
• Single-family residences (detached homes, townhomes, condos, PUDs, etc.)
• Primary residences, second homes or investment properties are eligible
• Minimum FICO credit score of 640 (primary residences)
Access up to $750,000 in as few as three days1 with a HELOC from CMG Home Loans.
See how much cash you can get with an easy process and no impact to your credit score.
HELOC Eligibility
CMG HOME LOANS 3160 CROW CANYON ROAD SUITE 400, SAN RAMON, CA 94853 NMLS# 1820
CMG Mortgage, Inc. dba CMG Home Loans, NMLS ID# 1820 (For licensing information go to www.nmlsconsumeraccess.org, www.cmghomeloans.com), 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, and Guam, Puerto Rico, and the U.S. Virgin Islands. www.cmgfi.com/corporate/licensing.
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