GET STARTED ON YOUR HOME BUYING JOURNEY
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.
Draw funds as you go.
Renovation costs can quickly exceed the estimate.
Only pay for funds used.
Interest on the amount drawn, not the full line.
Money-saving rates.
Often much lower than credit card rates.
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.
A HELOC Built for Your Home Improvement Project
Draw funds as your project progresses. Only pay interest on what you use.
Takes as little as 5 minutes • Soft credit pull • Close in as few as 5 days*
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
CMG Home Loans can close your HELOC in as fast as five days*.
Ready to Fund Your Project?
• About five minutes to pre-qualify
• Soft credit pull
• No commitment
• Kitchen remodels
• Bathroom renovations
• Additions and second stories
• Basement finishing
• Roof, windows, and siding
• HVAC, plumbing, and electrical
• Outdoor projects (pools, decks, etc.)
• Energy efficiency and solar
Use a HELOC for Projects Like These
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.
Home Equity Line of Credit
• Equity in your home. Typically at least 15-20% after the new line.
• Credit history. Most approved borrowers have credit scores in the mid-600s or above.
• Steady income. Documentable income that covers existing debt.
• Not just primary residences. Second homes and investment properties are also eligible.
HELOC Eligibility
Eligibility is unique to your situation, but most HELOC borrowers meet these general guidelines:
Whatever your project, a CMG loan officer can help you size the right HELOC for it.
*This 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.
Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. 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 that require a waiting period prior to closing, or where loan amounts exceed $400,000.
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.
A HELOC Built for Your Home Improvement Project
Draw funds as your project progresses. Only pay interest on what you use.
Takes as little as 5 minutes • Soft credit pull • Close in as few as 5 days*
Home Equity Line of Credit
Fast and easy access to funds. Renovation costs can quickly exceed the estimate.
Flexible home improvement financing. Interest on the amount drawn, not the full line.
Money-saving rates. Often much lower than credit card rates.
• Kitchen remodels
• Bathroom renovations
• Additions and second stories
• Basement finishing
• Roof, windows, and siding
• HVAC, plumbing, and electrical upgrades
• Outdoor projects (pools, decks, etc.)
• Energy efficiency and solar
Use a HELOC for Projects Like These
Whatever your project, a CMG loan officer can help you size the right HELOC for it.
• Equity in your home. Typically at least 15-20% after the new line.
• Credit history. Most approved borrowers have credit scores in the mid-600s or above.
• Steady income. Documentable income that covers existing debt.
• Not just primary residences. Second homes and investment properties are also eligible.
HELOC Eligibility
Eligibility is unique to your situation, but most HELOC borrowers meet these general guidelines:
CMG Home Loans can close your HELOC in as fast as five days*.
Ready to Fund Your Project?
• About five minutes to pre-qualify
• Soft credit pull
• No commitment
