Discounted Interest
Rates & Down Payment Assistance Available!
Through SONYMA Programs, eligible home buyers can access more affordable routes to homeownership such as discounted interest rates and generous down payment assistance offers.
FEW LENDERS OFFER BOTH OF THESE PROGRAMS.
FILL OUT THE FORM BELOW TO CHECK YOUR Eligibility!
CMG Mortgage, Inc. dba CMG Home Loans, NMLS ID# 1820 (www.nmlsconsumeraccess.org), is an equal housing lender. Licensed by the Virginia State Corporation Commission #MC-5521. AZ license #0903132. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. Georgia Residential Mortgage Licensee #15438. Kansas Licensed Mortgage Company #MC.0001160. Massachusetts Mortgage Broker and Lender MC1820. 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. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. CL1820. To verify ourcomplete list of state licenses, please visit www.cmgfi.com/corporate/licensing.
CONSUMERS WISHNG TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV . A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV .
445 BROAD HOLLOW RD, SUITE 225, MELVILLE, NY 11747 | BRANCH NMLS# 2477720
STATE OF NEW YORK MORTGAGE AGENCY (SONYMA) PROGRAMS
We had an incredible experience working with John and his team! He made our first time home buying experience a breeze. He and his team offered consistent updates and explanations throughout every step of the process making us very comfortable and informed while navigating what could have been a very confusing time.
INCREDIBLE EXPERIENCE
Maria D.
Review (Oct. 2024)
We are so happy we worked with John Trama and CMG! The whole process was a breeze. He was always available for any questions and went above and beyond to get us the best rate possible!
PROCESS WAS A BREEZE
Kaitlynn K.
Review (Nov. 2024)
John and his team were amazing to work with! They were always available for any questions or concerns and went above expectations; they made the process of obtaining a mortgage as smooth and easy for us as possible. Looking forward to working with them again in
the future.
AMAZING TO WORK WITH
Adrian G.
Review (Oct. 2024)
John Trama
Branch Manager, NMLS ID# 657339
445 Broad Hollow Rd, Suite 225 Melville, NY 11747
Branch NMLS# 2477720
GET IN TOUCH
We respect your privacy. We will not share or sell your information.
Contact us to speak with a mortgage professional about removing mortgage insurance from your loan.
To get started now, you can complete our online application.
Contact us to speak with a mortgage professional about removing mortgage insurance from your home loan or, if you are ready to get started now, you can complete our online application.
TESTIMONIALS
FEW LENDERS OFFER BOTH OF THESE PROGRAMS.
FILL OUT THE FORM BELOW TO CHECK YOUR Eligibility!
Down payment assistance of up to $30,000
0% interest rate second lien
No monthly payments
Forgivable after 10 years
Can be combined with Credit is Due
ENHANCED DOWN PAYMENT ASSISTANCE LOAN (EDPAL)
CREDIT IS DUE LOAN
Interest rate discount of up to 2%
Very low down payment requirements
Can be combined with eDPAL to further reduce down payment costs
120-day rate lock
Little-to-no money spent on down payment costs
Discounted interest rates on primary mortgage
Lower monthly mortgage payments
Thousands saved on a home purchase
By combining the power of Credit is
Due and eDPAL, buyers can benefit from: