Market Forecast: Housing Market Index, Housing Starts and Building Permits, and Existing Home Sales

  • November 19, 2018

This week will be a short week, with markets closed on Thursday and closing early on Friday, in observance of the Thanksgiving holiday.  However, there is a full week of housing news ahead with the National Association of Home Builders’ housing market sentiment index, housing starts and building permits, and existing home sales all scheduled for release.


Market Recap: Mortgage Apps Slide, Consumer Price Index and Retail Sales Surge

  • November 16, 2018

Mortgage rates continued to hold steady last week and did not move significantly up or down.  Both new purchase and refinance mortgage application submissions declined.  The consumer price index had the biggest increase in nine months and retail sales exceeded expectations.  Federal Reserve Chair Jerome Powell gave a speech to the Dallas Fed on Wednesday and shared his optimistic economic outlook heading into 2019.


CMG Financial Welcomes Chuck Johnson, Area Sales Manager

  • November 16, 2018

Chicago, IL – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has expanded its Midwestern presence with the addition of Chuck Johnson, Area Sales Manager.  Chuck is an established mortgage leader with nearly three decades of experience serving the greater Chicago market. 


HomeFundIt: Not Your Parents’ Wedding Registry

  • November 15, 2018

Congratulations, you’re getting married!  As soon as you’ve staged the perfect engagement photos and built your wedding website you’re probably inundated with the “Where are you registered?” question.  What are you going to register for?  When’s the last time you got up early enough to make waffles?  Do you really need another blender?  Do you think you’re going to use that pizza stone before just ordering online?  Chances are you don’t really need all of the stuff people traditionally use their wedding registry for. 


Child Identity Theft is On the Rise

  • November 14, 2018

You know you need to protect your social security number, but did you know your children may be at risk too?  Credit-reporting bureau Experian announced more than $1 million children have their identities stolen each year and warned one in four children will be a victim of identity theft before adulthood.  Child identity theft can be especially detrimental to your children’s credit scores, because often it is not noticed or reported until much later, when they go to open their first bank account or apply for student loans. 


As Boomers Age in Place, What Happens to Housing?

  • November 13, 2018

Less than a decade ago, housing professionals were expecting the “great senior selloff” when Baby Boomers, born between 1946 and 1964, started downsizing and selling their larger family homes.  However, a new report from Harvard’s Joint Center for Housing Studies forecasts a growth in remodeling projects as more Baby Boomers choose to age in place.  According to the study, out of the 80% of Baby Boomers who own homes, two-thirds of them expect to stay in their homes and make modifications to accommodate them as they age.  Rather than a glut of housing for sale, today’s buyers are instead facing a tight market.


Market Forecast: Mortgage Apps, Consumer Price Index, and Retail Sales

  • November 12, 2018

Some markets are closed today in observance of Veterans Day, which was yesterday.  This week, the only significant housing news to report will be the Mortgage Bankers Association weekly mortgage application survey.  Other market moving reports include the consumer price index and retail sales. 


Market Recap: Federal Reserve Holds on Hiking Rates, Job Openings, Mortgage Apps

  • November 09, 2018

This year’s Midterm Elections boasted record turnouts, breaking the record set in 1966.  No significant mortgage rate movement this week, as the Federal Open Market Committee voted to leave the benchmark interest rate unchanged.  Job openings slipped slightly but continue to outnumber unemployment reports.  Mortgage application submissions declined.


Saving for a Down Payment Might Take up to 7 Years or More

  • November 08, 2018

According to a new Zillow report, it will take an average American approximately seven years to save for a 20% down payment on an average-priced home.  This report assumes the worker earns the median income and saves 10% of their total earnings each month.  This seven-year saving period is the longest since early 2008.


Soccer in the Streets Converts Unused Public Space into a Place to Play

  • November 07, 2018

Public transit, like Atlanta’s MARTA stations, tend to take up a lot of land, leaving vacant expanses.  In the late 70s, Atlanta’s public transit operator installed an amphitheater at the Five Points station with the hope of revitalizing the neighborhood and making the entertainment center accessible through public transit.  However, the amphitheater failed to draw crowds and sat largely unused for decades.  Today the space has been converted into a soccer field, the first of its kind to sit inside of a transit station, and the first of a network of fields sprouting up throughout Atlanta.


How the Rust Belt is Attracting Millennial Home Buyers

  • November 06, 2018

Midwestern states including Ohio, Michigan, and Wisconsin, sometimes known as the Rust Belt, are experiencing a revival. After the decline of manufacturing bases like Detroit, this region suffered economically.  As coastal home prices increase, and more companies and businesses are choosing to migrate to the Midwest and Great Lakes regions for lower taxes and affordable housing more, causing more Millennials are to put down roots in the Rust Belt.


Market Forecast: Job Openings, Mortgage Applications, and FOMC Meeting

  • November 05, 2018

Election Day is tomorrow, don’t forget to exercise your right to vote in the 2018 Midterm Elections!  Election results sometimes influence economic markets, so rates may experience some volatility this week.  The Federal Open Market Committee (FOMC) meets Wednesday and Thursday and will release a statement Thursday afternoon.  It will be a slow week for housing news, the only directly-related housing report will be the Mortgage Bankers Association (MBA) weekly mortgage application survey on Wednesday.  Other market-moving reports include the Labor Department’s Job Openings and Labor Turnover Survey (JOLTS) on Tuesday.   


Market Recap: Case-Shiller Home Price Index Slows, ADP Employment Strong, Construction Spending Flat

  • November 02, 2018

The US economy looks like it’s heading toward a strong finish for 2018.  The ADP employment report was stronger than expected and construction spending was unchanged overall, but residential spending improved.  The S&P CoreLogic Case-Shiller home price index appreciated, but price appreciation has started to slow. 


Should you get a 15-Year or a 30-Year Mortgage?

  • November 01, 2018

Mortgage loans are available with a variety of terms and interest rates to suit every financial situation.  Mortgage terms can range anywhere from 5, 7, 10, 15, and 30 years and usually have either a fixed interest rate or an adjustable interest rate.  The 30-year fixed-rate mortgage tends to be the most common type of mortgage loan, a stalwart for home buyers since the 1930s and 1940s.  However, in some cases the 15-year fixed-rate mortgage might be the better option. 


CMG Financial Introduces 3-2-1 Buydown Loan to Increase Access to Affordable Mortgage Financing Solutions

  • October 31, 2018

San Ramon, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, announced its new 3-2-1 Buydown Loan that allows consumers to secure a lower interest rate and lower the monthly mortgage payment during their first three years of homeownership. The home buyer earns these lower payments through a “buydown fee” that can be paid by an interested third party like a home builder, seller, or Realtor, or by the home buyer. 


New FICO Scoring System Could Boost Millions of Credit Scores

  • October 31, 2018

The FICO credit score is the most widely accepted credit score used by banks and lenders to determine a borrower’s ability to repay a loan or line of credit.  The FICO credit score is influenced by five factors: payment history (35%), total amount owed (30%), length of credit history (15%), credit mix (10%), and new credit (10%).  Early next year, FICO plans to adjust their scoring system to include how consumers manage the cash in their checking, savings, and money market accounts, the most significant change to the scoring system since the early 1990s. 


Could College Towns Be the Next Best Place to Retire?

  • October 30, 2018

Before flocking to Florida, Arizona, or another retirement hotbed, retiring Americans could consider relocating to college towns.  College towns could be the next best place to retire because they are known for affordable housing, walkability, arts, cultural, and sporting activities, plus accessible healthcare services.  The Balance evaluated college towns around the country to compile the top 10 for retirees. 


Market Forecast: Case-Shiller Home Price Index, ADP Employment Report, and Construction Spending

  • October 29, 2018

Heading into the end of the month, there are a couple more housing reports scheduled for this week.  The S&P CoreLogic Case-Shiller home price index will come out on Tuesday and the US construction spending report comes out on Thursday.  In other market-moving news, the ADP employment report is scheduled for release on Wednesday. 


Market Recap: FHFA House Price Index Up, New Home Sales Down, Pending Home Sales Index Improves

  • October 26, 2018

Mortgage rates did not move significantly this week.  The Federal Housing Finance Agency (FHFA) released its house price index and indicated home price appreciation has started to slow.  New home sales declined, but the pending home sales index recovered. 


How many houses should buyers see in a day?

  • October 25, 2018

With words like “competitive” and “inventory crunch” in the news lately, home buyers may be feeling the pressure to look at as many listings as they can.  The National Association of Realtors (NAR) reported it takes an average of 10 weeks for home buyers to find the right home, down from the average of 12 weeks five years ago.  While it’s always a good idea to keep your options open, real estate agents caution against viewing too many homes in one day.  Overdoing it with home tours may cause you to forget details about specific houses and mix properties up. 


Denver Experiments with Accessory Dwelling Units

  • October 24, 2018

Denver is one of the most heated housing markets in the nation, consistently leading the Case-Shiller home price index with double digit rates of annual appreciation.  In 2016, over 1,000 families were reportedly moving to Denver every month.  Such a sustained influx of residents has put a crunch on available housing inventory.  As a result, the West Denver Renaissance Collaborative has proposed a new plan that creates more places to live without building more homes.  Through the initiative, homeowners become landlords by renting out detached units on their property known as accessory dwelling units (ADUs) or sometimes “granny flats.” 


Generation Z Home Buyers Entering the Market with Help from Family

  • October 23, 2018

With so much focus on Millennial home buyers, the next incoming generation of buyers has been slightly overlooked.  According to Zillow, 3% of last year’s home buyers were born after 1995, meaning over 100,000 homeowners across the country are 23 and younger.  “I’m a little surprised to see the numbers as large as they are,” commented Rob Dietz, chief economist and senior vice president for economics and housing policy for the National Association of Home Builders (NAHB). 


Market Forecast: FHFA House Price Index, New Home Sales, and Pending Home Sales Index

  • October 22, 2018

Average mortgage rates have started to plateau, after climbing earlier this month.  Although rates have started to trend upward, they are still near the lowest levels in the past decade.  This week, the Federal Housing Finance Agency (FHFA) will release its house price index and the National Association of Realtors (NAR) will release the new home sales report and the pending home sales index. 


Market Recap: Builder Confidence Improves, Housing Starts Fall, Existing Home Sales Decline

  • October 19, 2018

Mortgage rates held steady this week with no significant movement to report.  The National Association of Home Builders’ (NAHB) housing market sentiment index improved, with builders optimistic about solid buyer demand.  Housing starts fell and building permits slipped slightly.  Existing home sales declined. 


How to Be a Landlord When You Retire

  • October 18, 2018

Many Americans choose to downsize their home when they retire.  Larger homes tend to require more maintenance.  Aging Americans may have difficulty with the ongoing upkeep of a large home, especially when they face health changes.  Some retirees also choose to relocate, either to a warmer climate or to be closer to family.  A new trend is emerging among retirees who choose to downsize in retirement, converting their former home into rental properties.  According to a MarketWatch survey of 6,000 landlords, nearly 10% were of retirement age.


Mortgage Fraud Risk Up 12% Since Last Year

  • October 17, 2018

In a recent report, CoreLogic found mortgage fraud risk increased 12% since last year.  Based on the data, one out of every 109 mortgage applications had indications of fraud ranging from undisclosed real estate liabilities to questionable down payment sources to income falsification. 


What Judge Kavanaugh Confirmation Means for the Future of the CFPB

  • October 16, 2018

Earlier this month, the Senate voted to confirm Judge Kavanaugh to the Supreme Court, solidifying a conservative tilt.  The latest balance shift has many in Washington revisiting the question of what will happen to the Consumer Financial Protection Bureau’s (CFPB) leadership structure. Previously, Kavanaugh has written that he believes the way the CFPB is currently structured is unconstitutional.   He also authored the Court of Appeals decision in the PHH Corp. vs CFPB case that declared the CFPB leadership structure unconstitutional in 2016. 


Market Forecast: Housing Market Index, Housing Starts and Building Permits, and Existing Home Sales

  • October 15, 2018

There is a busy week of housing news ahead, with important data scheduled for release including the National Association of Home Builders’ (NAHB) housing market sentiment index, housing starts and building permits and existing home sales.  Builder sentiment was positive last month, unchanged from the previous month.  Housing starts jumped, but building permits tapered off.  Existing home sales were also unchanged. 


Market Recap: Mortgage Applications Down, Unemployment Hits All-Time Low, Consumer Price Index Increases

  • October 12, 2018

Some markets were closed on Monday in observance of Columbus Day, thus it was a slow week for housing news.  The only housing-related report was the weekly mortgage application survey.  Other market-moving reports included the weekly jobless claims report and the consumer price index.


Lowering Your Debt-to-Income Ratio

  • October 11, 2018

Debt-to-income ratio or DTI is one of the key components of your financial profile lenders review when evaluating whether or not you are a good candidate for mortgage financing.  DTI thresholds vary depending on the lender and the type of mortgage loan.  Generally, the lower your DTI the better, so lowering your DTI by paying down long-term debts and limiting credit card use is a good idea before you apply for mortgage financing. 


Simple Street Change Saves Pedestrian Lives

  • October 10, 2018

Pedestrian traffic deaths reached a 25-year high last year.  According to the Governors Highway Safety Association almost 6,000 pedestrians were killed in 2017.  The US Department of Transportation (DOT) is working to reverse this figure with a simple street redesign currently popping up at intersections in New York City, San Francisco, and Los Angeles.  By adding rubber bumpers to intersections, drivers who are turning left are forced to slow down, and even lessen the sharpness of their turn, reducing the risk of vehicle-pedestrian Collison. 


CMG Financial Invests in Joint Venture Expansion with Strategic Leadership Hire

  • October 09, 2018

DALLAS--(BUSINESS WIRE)--CMG Financial, a privately held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, today announced the hire of Chris Harris, Vice President, National Joint Venture Manager. Chris is an accomplished executive sales leader with over 16 years of experience developing corporate partnerships, managing joint ventures and leveraging relationships to gain valuable market share.


Average FICO Credit Scores Climb Again

  • October 09, 2018

Nearly ten years into economic recovery, the average American FICO score climbed again, hitting a record high of 704.  2018 marks the eighth year of credit score increases, since the average FICO score hit an all time low of 686 in the wake of the Great Recession.  All age brackets saw their average FICO score increase, led by Baby Boomers and Generation Xers.


Market Forecast: Mortgage Apps, Jobless Claims, and Consumer Price Index

  • October 08, 2018

Some markets are closed today in observance of the Columbus Day holiday.  Mortgage rates have started to trend upward in reaction to last month’s Federal Reserve rate hike.  Mortgage applications reacted to the news, with new purchase application submissions increasing and refinance application submissions declining last week.  Other market-moving reports scheduled for release this week include the weekly jobless claims report and the consumer price index.


Market Recap: Construction Spending Up, Mortgage Apps Mixed, ADP Employment Gains

  • October 05, 2018

Mortgage rates were little changed this week, following last week’s Federal Open Market Committee (FOMC) rate hike.  US construction spending improved slightly.  Residential construction spending was down month-over-month but up year-over-year.  Mortgage application submissions showed little week-over-week change.  The ADP employment report exceeded expectations.


What does your home insurance cover?

  • October 04, 2018

Earlier this month, Hurricane Florence caused an estimated $20 to $30 billion of damage to commercial and residential properties throughout North and South Carolina.  Unfortunately, an estimated 85% of residential property losses were uninsured, and less than 10% of properties in North Carolina had flood insurance.


Update: Credit Freeze Now Free in All States

  • October 03, 2018

In the wake of last year’s Equifax data breach, a new federal law will allow consumers to freeze and unfreeze their credit for free with all major credit bureaus.  Previously, credit freezes and unfreezes cost consumers anywhere between $3 and $12 each.  A credit freeze prevents lenders from pulling a credit report, thus preventing criminals from taking out new lines of credit with a stolen identity. 


Why Millennials Are Making This Huge Money Mistake

  • October 02, 2018

An alarming trend is emerging among young Millennial workers around the country.  According to a recent survey from ETrade, over a third of Millennials are making withdrawals from their 401(k) plans or retirement accounts.  They are using the money for everything from paying down debts, making large purchases, and going on vacations.  401(k) and other retirement plans compound interest overtime, thus increasing in value.  When young workers withdraw from retirement accounts prematurely they are losing the interest they could have gained. 


Market Forecast: Construction Spending, Mortgage Apps, and the ADP Employment Report

  • October 01, 2018

Last week, the Federal Open Market Committee voted to raise the benchmark interest rates, and mortgage rates reacted accordingly.  This week in housing news, US construction spending report comes out on Monday and the weekly mortgage application survey comes out on Wednesday.  The ADP employment report comes out on Wednesday.


Market Recap: Fed Raises Rates, New Home Sales Spike, Home Prices Appreciation Slows

  • September 28, 2018

This week, the Federal Open Market Committee (FOMC) voted to raise the federal benchmark interest rate for the third time this year.  Federal Reserve Chair Jerome Powell cited a strong labor market and continued economic expansion as reasons for the rate hike.  In housing news, new home sales jumped, and home price appreciation slowed.


What Happens to Your Mortgage if Your Home is Hit with a Natural Disaster

  • September 27, 2018

In the wake of last week’s hurricane and with an especially active hurricane season expected, disaster preparedness is more important than ever.  When hurricanes, forest fires, earthquakes, and other natural disasters damage your home or impact your ability to pay your mortgage you have several options.  Before disaster strikes, review these ways to stay safe, physically and financially.


Improving Shared Spaces Starts with Keeping Sidewalks Clean

  • September 26, 2018

Many metros across the country from the Bay Area to our nation’s capital have experienced a recent influx of new sidewalk clutter in the form of dockless electric scooters.  Bird, Lime, and other startups have “dropped” e-scooters in urban areas to relieve busy public transportation and give pedestrians a new, more efficient way to commute.  Curbed correspondent, Sarah Goodyear, describes the dropping of these scooters to the way an unruly teenager drops laundry around the house.  The new trend of “docklessness” revives the question as old as cities themselves, “who owns the sidewalk and who is responsible for keeping it clean?”


CMG Financial Welcomes New Regional Sales Manager Alex Nordby

  • September 25, 2018

Sacramento, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has strengthened its central California leadership team with the addition of Regional Sales Manager, Alex Nordby.  Alex has over a decade of financial services experience and established professional relationships throughout the central California region.


Rushing to Pay Off Your Mortgage? Why New Tax Laws Might Make You Want to Wait.

  • September 25, 2018

The Tax Cuts and Jobs Act (TCJA) enacted earlier this year provided the most sweeping changes to the tax code in decades.  One of the most relevant changes for homeowners was the new cap for mortgage interest deductions.  With tax cuts increasing wages, the savings rate improving, and the economy booming, some homeowners may consider paying off their mortgage sooner, especially with the changes to the mortgage interest tax deduction.  MarketWatch columnist, Peter Morici, suggests, “The new tax law should cause many folks to consider paying off their mortgages but that is hardly best for everyone.”


Market Forecast: FOMC Meeting, Case-Shiller Home Price Index, and New Home Sales

  • September 24, 2018

The Federal Open Market Committee will meet this Tuesday and Wednesday and markets are pricing in a rate hike.  Sustained economic growth, a healthy labor market, and strong consumer spending have all pushed the inflation rate toward the Federal Reserve’s benchmark and support the case for raising the benchmark interest rate.  In other housing news, the S&P CoreLogic Case-Shiller home price index will come out on Tuesday and the National Association of Realtors’ new home sales report comes out on Wednesday. 


Market Recap: Housing Starts Surge, Existing Home Sales and Housing Market Index Unchanged

  • September 21, 2018

Construction activity boomed in August, housing starts posted a significant increase.  Building permits, however, declined.  The National Association of Home Builders’ housing market index was unchanged but remains positive.  Existing home sales were unchanged month-over-month but down year-over-year. 


Low Down Payment Mortgage Options

  • September 20, 2018

As home prices rise, so do mortgage down payments.  Many potential home buyers are dissuaded from starting their home search because of the myth of the 20% down payment.  According to Down Payment Resources, home buyers younger than 37-years-old put down an average of 7%.  Looking to buy a home but lacking the 20% down payment?  Consider one of these popular low down payment mortgage options.


Buyer Beware: How to Spot Down Payment Wire Transfer Fraud

  • September 19, 2018

Buying a home is the biggest purchase most Americans will make in a lifetime and saving for a down payment is the biggest obstacle to making that purchase.  Often, the down payment will include a significant portion of the home buyer’s life savings, especially for first-time buyers. Earlier this month, CNBC reported on a new variant of wire transfer fraud schemes targeting home buyers at the time of closing, in some cases wiping out their entire down payment savings with no chance of recouping the funds.


CMG Financial Adds Chet Mann as New Area Sales Manager

  • September 19, 2018

Sanford, NC – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has expanded its Southeastern United States leadership team with the addition of Chet Mann NMLS 171268, Area Sales Manager.  Based out of Sanford, North Carolina, Chet will oversee growth initiatives throughout the Southeast by spearheading recruiting efforts and expanding CMG’s market share.


South Carolina Couple Celebrates Wedding and a New Home with HomeFundMe

  • September 18, 2018

Charleston, SC – – HomeFundItTM (formerly known as HomeFundMeTM), the first and only approved down payment crowdfunding platform, recently celebrated the first successful funded loan in Charleston, SC.  Kelly and Robbie were planning their wedding when they found the home of their dreams.  In their competitive housing market, they knew they had to make an offer right away.  Using HomeFundIt to crowdfund their down payment, Kelly and Robbie were able to celebrate two milestones, their new life together in their new home.


Millennials Delay Marriage, Not Homeownership

  • September 18, 2018

Millennials may be delaying marriage but not homeownership, according to a recent study.  In 1985, 75% of first-time home buyers were married couples.  Today, married couples make up 57% of first-time home buyers.  The National Association of Realtors’ managing director of survey research commented, “it’s absolutely a trend.  People feel fine purchasing a home without a ring.”


Market Forecast: Housing Market Index, Existing Home Sales, and Housing Starts and Building Permits

  • September 17, 2018

There is a full week of housing news ahead, with the National Association of Home Builders’ (NAHB) housing market sentiment index on Monday followed by housing starts and building permits on Wednesday and existing home sales on Thursday.


Market Recap: Consumer Credit Expands, Job Openings Up, Mortgage Apps Mixed

  • September 14, 2018

Average mortgage rates did not move significantly this week, trending downward according to Mortgage News Daily.  Both revolving and nonrevolving consumer borrowing increased.  Job openings surged to a record high.  New purchase applications were up but refinance applications were down.


What to Look for in Your New Neighborhood

  • September 13, 2018

The famous line Location, Location, Location is not a joke when it comes to choosing the right neighborhood for your new home.  Whether you are a first-time home buyer or moving up into your forever home, where you buy matters.  Before you start your home search, determine where you want to buy.  Narrow down the right neighborhood by reviewing these major influencers.


Girl Scouts Swap Cookies for Tiny Houses

  • September 12, 2018

A new five-day Girl Scout Camp in Marine on St. Croix, Minnesota resulted in two habitable tiny houses built entirely by Girl Scouts in grades 6 to 12.  The first Power Girls camp was hosted by the Girl Scouts River Valleys and Dunwoody and took place in Camp Lakamaga.  The goal of the camp was to teach girls the skills they needed to build a home from start to finish.  The products of the camp will be donated to an organization chosen by the proud Girl Scouts.


1 in 4 American Homes Now Equity Rich

  • September 11, 2018

Last month, ATTOM Data Solutions released a report showing 24.5% of all mortgaged properties were equity rich in Q2 2018.  “Equity rich” is defined as a home with a loan-to-value ratio of 50% or lower.  Collectively, American homeowners have accrued over $15 trillion in home equity, over a trillion and a half dollars more than the highest levels before the recession.  What are they doing with it?


Market Forecast: Consumer Credit, Job Openings, and Mortgage Apps

  • September 10, 2018

Market-moving reports this week include consumer credit, scheduled for Monday, and the Labor Department’s Job Openings and Labor Turnover Survey (JOLTS), scheduled for Tuesday.  Both consumer borrowing and job creation drive economic and housing market momentum.  In housing news, the weekly mortgage application survey comes out on Wednesday.


Market Recap: Construction Spending Up, New Purchase Mortgage Apps Up, ADP Employment Grows

  • September 07, 2018

Construction spending improved in July, led by a surge in residential spending.  New purchase mortgage applications increased while refinance applications decreased.  The ADP employment report showed the addition of 163,000 jobs in August.  Mortgage rates trended slightly upward.


CMG Financial Opens Ontario, CA Branch with All-Star Leadership Team

  • September 06, 2018

Ontario, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, is growing its Southern California coverage with the addition of a new Ontario, CA branch.  Led by Area Sales Manager, Chadwick T. Coffman NMLS 
213570, Branch Manager Rob Muster NMLS 213423, and Sales Manager Cory Dressel NMLS 213430, the new branch will continue to expand access to CMG’s innovative lending solutions and world class customer service. 


How to Dispute a Low Home Appraisal

  • September 06, 2018

You will need a home appraisal when you’re buying a new home, selling your current home, or refinancing your mortgage.  Home appraisals are conducted by an independent appraiser to determine the value of the home.  When you are selling your home and the appraisal comes in lower than expected, you could run into some difficulty including the buyer backing out of the sale or the lender denying the buyer the loan they need to purchase the home.  If you’re selling your home and you get a lower appraisal than expected, here are the steps you can take to dispute it.


Trees Do More Than Lower Heat in Dallas Neighborhood

  • September 05, 2018

After an exceptionally hot summer, urban planners are investigating more ways to reduce temperatures in cities around the country.  Because of the “heat island” effect, urban areas tend to be 10 to 20 degrees hotter than surrounding rural areas.  AccuWeather Expert Senior Meteorologist, Tom Kines, explains, “it’s kind of like a brick fireplace; even when the fire goes out, the heat is still in the bricks.  This is the same thing in a city.” 


First-Time Home Buyers Outnumber Repeat Buyers

  • September 04, 2018

Despite the down payment obstacle, first-time home buyers continue to dominate the housing market.  For the past decade, first-time home buyers have comprised the largest share of home buyers, even though affordability concerns, specifically related to the down payment, have caused many would-be first-time home buyers to delay home purchase. 


HomeFundMe Helps More First-Time Home Buyers Enter the Market

  • August 16, 2018

Austin, TX – After living in seven states in less than a decade, Brooke was ready to settle down.  Even with a burgeoning career in marketing, she was struggling to save for the down payment on a home.  She turned to HomeFundItTM, formerly known as HomeFundMeTM,  to see if family and close friends would be willing to contribute to her down payment funds.  She was shocked to find out how many people took interest in her campaign, not only family but coworkers, friends, and others.


CMG Financial Expands Arizona Coverage with New Scottsdale Team

  • August 06, 2018

Scottsdale, AZ – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, is growing its Arizona presence with the addition of two new branch managers and a full sales staff in Scottsdale, AZ.  The new group includes Jason Johnson NMLS 403755, Branch Manager and Marty Farnsworth NMLS 414002, Branch Manager, nine loan officers, and a production assistant.


CMG Financial Welcomes New Las Vegas, NV Team

  • August 03, 2018

Las Vegas, NV – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has expanded its Western coverage with the addition of a new Las Vegas team.  CMG Financial would like to officially welcome Sheila Ledesma NMLS 317386, Sales Manager, Linda Ayres NMLS 318390, Sales Manager, and Iriany Eustace, Loan Processor.


CMG Financial Adds Rob Nelson to Western Leadership Team

  • August 01, 2018

Coronado, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, announced the addition of Rob Nelson NMLS 331060 as its Regional Vice President, Business Development and Production.  Rob will be based out of Coronado, CA and serve the states of California and Utah.


EVP Kim Callas Recognized in 2018 HousingWire Women of Influence

  • August 01, 2018

San Ramon, CA – National mortgage media group HousingWire announced its 8th Annual Women of Influence list.  CMG Financial’s Executive Vice President, Kim Callas, was recognized among 85 distinguished women for her contributions to the housing industry and propelling it forward. 


CMG Financial Opens Farmington Hills, MI Branch with Branch Managers Suzie Boutorwick and Scott Elia

  • July 23, 2018

Farmington Hills, MI – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, continues to grow its Midwestern presence with the addition of the Farmington Hills, MI branch.  The new branch, headed by Branch Managers Suzie Boutorwick NMLS 455731 and Scott Elia NMLS 162661, will serve the greater Michigan area.  Joining the new location are Anthony Yousif NMLS 1523991, Loan Officer, Rana Abouna, Loan Processor, and Lilian Pellerito, Production Assistant. 


For Sale by Owner: Proceed with Caution

  • July 19, 2018

Home sellers choose the “For Sale by Owner” (FSBO) route because they believe they will earn a larger profit by not having to pay their real estate agent a commission fee.  FSBO transactions tend to become even more popular in a seller’s market.  In 2016, the National Association of Realtors (NAR) reported the average FSBO sales price was $185,000, compared to the average $245,000 for a home represented by a real estate agent.  A staggering $60,000 difference, even despite the commission cost for the real estate agent. 


HomeFundMe Success featured in The Wall Street Journal

  • July 11, 2018

Reese and Kyle Rademacher weren’t sure how they would afford a down payment to buy a home until their real-estate agent mentioned an offbeat idea: crowdfund the money from friends and family.


Should you work with a Real Estate Agent?

  • July 05, 2018

In the digital age, many home buyers feel they can skip partnering with a professional Realtor or real estate agent because of their access to listing websites and other online tools.  While listing sites like Zillow and Trulia can help a home buyer find out what’s for sale in their area and start shopping, there are still many advantages to continuing your search with an established Realtor or real estate agent. 


California MBA Welcomes New Board Member AJ George

  • June 26, 2018

San Francisco, CA – The California Mortgage Bankers Association (CMBA) announced three new board members this month, including AJ George, Chief Administrative Officer, CMG Financial.  Mr. George will join an established group of leading mortgage executives promoting advocacy, education, and connection within the mortgage industry and throughout the greater community.  Mr. George will be sworn in with the rest of the board’s returning directors and officers at the July 16th meeting in San Francisco. 


HomeFundMe Family Finds New Hope After Fire Destroys Home

  • June 19, 2018

Tampa, FL – Last December, the Diaz family was in crisis after suffering an unspeakable loss when their home was destroyed in a fire.  They were left with no home, no presents for the holidays, and no next move.  After their story gained local media attention, a childhood friend and CMG Financial loan officer, Alain Juvert NMLS 1173442, reached out to introduce them to HomeFundItTM (formerly known as HomeFundMeTM), the down payment crowdfunding platform. 


HomeFundMe Surpasses $1 Million Milestone

  • June 13, 2018

HomeFundItTM (formerly known as HomeFundMeTM), the first and only approved down payment crowdfunding platform, celebrated $1 Million raised last week.  To date, HomeFundIt has helped 337 families purchase a home with a crowdfunded down payment.  The proprietary service is changing lives around the country, one closed loan at a time.   


CMG Financial Initiates Central Valley Expansion

  • June 13, 2018

Manteca, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, is growing its Central Valley coverage with the addition of a new team based out of Manteca, CA.  Led by Area Sales Manager, Joe Villegas NMLS 353587, the team will serve the greater San Joaquin and Stanislaus Counties to provide more access to CMG’s superior client service and specialized loan programs. 


CMO Paul Akinmade Recognized as 2018 HousingWire Rising Star

  • June 06, 2018

Baltimore, MD – National mortgage media group HousingWire announced its 2018 Rising Stars of young leaders to watch in the housing industry.  CMG Financial’s Chief Marketing Officer, Paul Akinmade, was recognized among 46 other industry-leading innovators as a 2018 Rising Star. 


Demand for Down Payment Assistance on the Rise

  • June 05, 2018

Saving for a down payment is the most commonly reported obstacle to homeownership.  With rents rising and student debt accumulating, the problem is even more exacerbated with first-time home buyers trying to enter the market.  As the down payment obstacle persists, the demand for down payment assistance has also continued to increase.  According to a Scotsman Guide interview with Down Payment Resource CEO Rob Chrane, as of the first quarter of 2018 there are approximately 2,503 down payment assistance programs nationwide, and the demand for down payment help is likely to continue.


Your Mortgage Shouldn’t be One Size Fits All

  • May 31, 2018

At this year’s Mortgage Bankers Association (MBA) Secondary Marketing conference, one of the most prevalent topics of discussion was the growing market for different types of mortgage loans besides common options like the 30-year fixed rate mortgage.  The 30-year fixed-rate mortgage is the cornerstone of American homeownership and has helped families nationwide become homeowners for almost a century.  As the housing market changes, interest rates fluctuate, and regulations evolve, newer, more innovative mortgage products are starting to emerge.  In today’s mortgage market, your mortgage should not be “one size fits all.” 


CMG Financial’s Katherine Osborn Named Top 1% Mortgage Originators in America by Mortgage Executive Magazine

  • May 31, 2018

San Ramon, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, congratulates Katherine Osborn on her achievement of ranking in the Top 1% of Mortgage Originators in America by Mortgage Executive Magazine.


CMG Financial Opens Council Bluffs, IA Branch with Branch Manager Joe Stephens

  • May 23, 2018

Council Bluffs, IA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, deepens its Midwestern presence with the addition of the Council Bluffs, IA branch.  The new branch, headed by Branch Manager Joe Stephens NMLS 521197, will serve the Council Bluffs and surrounding area.  Joining the new location are Lori Brokman NMLS 457156, Loan Officer, Kari Kingery, Loan Processor, and Deborah Hunter, Production Assistant. 


HomeFundMe Celebrates First Funding in Cheyenne, Wyoming

  • May 23, 2018

Cheyenne, WY – HomeFundItTM (formerly known as HomeFundMeTM), the first and only approved down payment crowdfunding platform, recently celebrated the first successful funded loan in Cheyenne, WY.  Recently engaged Kyle and Kaitlyn were faced with the enormous costs of paying for a wedding, paying down student debt, and buying their first home.   With HomeFundIt, they were able to alleviate the financial burden, become homeowners, and even save some money for their dream wedding.


HomeFundMe Celebrates Success in Hampstead, North Carolina

  • May 02, 2018

Hampstead, NC – HomeFundItTM (formerly known as HomeFundMeTM), the first and only approved down payment crowdfunding platform, announces another successful campaign completion in Hampstead, North Carolina.  Ryan and Aimee, a young couple who recently relocated from Wisconsin to Hampstead, North Carolina, were able to increase their down payment through crowdfunding and become homeowners for the first time. 


HomeFundMe iPhone and Android App Now Available

  • April 19, 2018

HomeFundItTM (formerly known as HomeFundMeTM), the first and only approved down payment crowdfunding platform, is now available as a mobile app for iPhone and Android devices.  Home buyers can download the free app on the App Store or Google Play Store and launch HomeFundIt campaigns from the palm of their hands.


CMG Financial’s Carey Ann Cyr Ranked as One of the Nation’s Top Originators

  • April 13, 2018

CMG Financial’s Carey Ann Cyr Ranked as One of the Nation’s Top Originators
Scotsman Guide Releases Top Originators 2017 Rankings

Nashville, TN – Apr 13, 2018 – CMG Financial congratulates Carey Ann Cyr and her mortgage team from Franklin, TN, for ranking as Scotsman Guide’s 2017 top originators. Carey Ann Cyr was ranked 17th Most Closed Loans 2017, 31st Top Purchase Volume 2017, 22nd Top FHA Volume 2017, and 52nd Top Dollar Volume 2017.


CMG Financial’s Chris Minjarez Ranked as One of the Nation’s Top Originators

  • April 13, 2018

CMG Financial’s Chris Minjarez Ranked as One of the Nation’s Top Originators
Scotsman Guide Releases Top Originators 2017 Rankings

San Ramon, CA –  Apr 13, 2018 – CMG Financial congratulates Chris Minjarez, Senior Market Manager, Austin, TX, for ranking as a Scotsman Guide 2017 Top Originator. Chris was ranked 435th Top Dollar Volume 2017. 


CMG Financial’s Jill Lyons Ranked as One of the Nation’s Top Originators

  • April 13, 2018

CMG Financial’s Jill Lyons Ranked as One of the Nation’s Top Originators
Scotsman Guide Releases Top Originators 2017 Rankings

San Ramon, CA — Apr 13, 2018 — CMG Financial congratulates Jill Lyons, senior loan officer, San Ramon, California, for ranking as a Scotsman Guide 2017 Top Originator. Jill was ranked 15th for Top HELOC Volume 2017.


Kory Kavanewsky Ranked as One of the Nation’s Top Originators

  • April 13, 2018

Kory Kavanewsky Ranked as One of the Nation’s Top Originators
Scotsman Guide, the leading national resource for mortgage originators published monthly with separate residential and commercial editions, released the annual Top Originators 2017 rankings.

Coronado, CA – Apr 13, 2018 – CMG Financial congratulates Kory Kavanewsky, VP of Production for Western Division and Branch Manager of the Coronado and Scripps Ranch, California locations, for ranking as a Scotsman Guide 2017 Top Originator.  Kory ranked #90 for overall dollar volume production and #38 for VA dollar volume production.


CMG Financial’s Ryan Holford Ranked as One of the Nation’s Top Originators

  • April 13, 2018

CMG Financial’s Ryan Holford Ranked as One of the Nation’s Top Originators
Scotsman Guide Releases Top Originators 2017 Rankings

San Ramon, CA –  May 1, 2018 – CMG Financial congratulates Ryan Holford, senior loan officer, San Ramon, CA, for ranking as a Scotsman Guide 2017 Top Originator. Ryan was ranked 6th Top HELOC Volume 2017. 


5 CMG Financial Originators Ranked as Scotsman Guide 2017 Top Originators

  • April 05, 2018

Scotsman Guide, the leading resource for mortgage originators, released its ninth annual Top Originators rankings on April 1st.  CMG Financial is pleased to announce four of our originators ranked as 2017 Top Originators.  Please join us in congratulating Carey Ann Cyr, Kory Kavanewsky, Chris Minjarez, Ryan Holford, and Jill Lyons.


How to Raise Your Credit Score Before Home Purchase

  • March 21, 2018

Lenders use a home buyer’s credit score to determine credit risk and evaluate their ability to repay a loan.  A good FICO credit score is instrumental to securing a mortgage loan and, in some cases, getting a better interest rate.  Most mortgage professionals suggest potential home buyers start credit repair at least six months to a year before shopping for a home.  Remember, each hard credit pull, like the kind needed for a new line of credit like a mortgage, will impact the credit score!  A little credit repair now goes a long way when it comes to a high-dollar purchase later.


CMG Financial Opens Lafayette, IN Branch led by Branch Manager Crystal Cover

  • March 05, 2018

Lafayette, IN – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, continues to expand its Midwestern coverage with the opening of a new branch in Lafayette, IN led by Branch Manager Crystal Cover NMLS 205118.  Joining the new branch is production assistant, Lacey Cobbs. 


CMG Financial Opens Springfield, MO Branch led by Branch Manager Eric Meruelo

  • March 01, 2018

Springfield, MO – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, continues to expand its Midwestern coverage with the opening of a new branch in Springfield, MO led by Branch Manager Eric Meruelo NMLS 201548.  Joining the new branch is loan officer, Josh Ganson NMLS 1223865.


CMG Financial's Carey Ann Cyr Ranked #38 of Top 100 Originators in America by Mortgage Executive Magazine

  • February 28, 2018

Nashville, TN – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, congratulates Carey Ann Cyr, Area Sales Manager, Franklin, TN, for ranking #38 of Top 100 Originators in America by Mortgage Executive Magazine.


CMG Financial's Kory Kavanewsky Ranked #70 of Top 100 Originators in America by Mortgage Executive Magazine

  • February 28, 2018

Coronado, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, congratulates Kory Kavanewsky, Branch Manager, Coronado, CA, for ranking #70 of Top 100 Originators in America by Mortgage Executive Magazine.


CMG Financial Loan Officers Recognized as Top 1% Originators in America by Mortgage Executive Magazine

  • February 26, 2018

San Ramon, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, congratulates its thirteen loan officers recognized as Top 1% Originators in America by Mortgage Executive Magazine, including the two originators who earned Top 100 distinctions. 


FYI: What's PITI?

  • February 22, 2018

New to the mortgage process?  You are probably seeing a lot of new acronyms you may not be familiar with.  The monthly mortgage payment, for example, is comprised of “PITI” or Principal, Interest, Taxes, and Insurance.  When budgeting for the cost of a monthly mortgage payment, home buyers should consider the cost of each of these components.


CMG Financial Opens Slidell, LA Branch led by Branch Manager Andrea West

  • February 20, 2018

Slidell, LA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has opened a new branch in Slidell, LA led by Branch Manager Andrea West NMLS 543208.  Joining the new branch is loan officer, Gina Orgeron NMLS 850890.


Low Down Payment Option: 100% Yours with as Little as 3% Down

  • February 19, 2018

Saving for a down payment is one of the most commonly reported obstacles to homeownership and continues to slow down the home buying process for creditworthy borrowers.  As rents and home prices continue to rise, almost every demographic, especially first-time home buyers, are experiencing difficulties in saving for a down payment. 


CMG Financial Opens Urbandale, IA Branch Led by Branch Manager Jason Kaiman

  • February 05, 2018

Urbandale, IA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has opened a new branch in Urbandale, IA led by Branch Manager Jason Kaiman NMLS 406027.  Joining the new branch is production assistant Sarah Kalas. 


CMG Financial Expands Leadership Team with Jon Wallace, Area Sales Manager

  • January 25, 2018

St. Joseph, MI – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, continues to deepen its Midwestern presence with the addition of Jon Wallace NMLS 1047351, Area Sales Manager. Jon has held leadership positions in the mortgage industry for over twenty years and will oversee growth initiatives throughout the greater Michigan and Indiana area. 


CMG Financial Expands Leadership Team with Dan Yribar, Area Sales Manager

  • January 24, 2018

Tucson, AZ – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, continues to grow its Southwestern coverage with the addition of Dan Yribar NMLS 192027, Area Sales Manager.  Dan will support the state of Arizona, based out of Tucson.



CMG Financial Expands Central Florida Coverage with Orlando, FL Branch

  • January 24, 2018

Orlando, FL – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has expanded its Southeastern coverage with the addition of its Orlando, FL branch and expansion into the Central Florida market.  The growth initiatives will be led by Gilbert Vargas NMLS 647655, Area Sales Manager, serving Central Florida and the surrounding area.


CMG Financial Expands with Jason Haley, Area Sales Manager

  • January 09, 2018

Raleigh, NC – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, welcomes Jason Haley NMLS 116361, Area Sales Manager, Raleigh, NC.   CMG has undergone an aggressive Eastern Division expansion this year, and additions like the Haley team will help the growing region continue to provide exceptional service.


CMG Financial Attends NAHB International Builders' Show January 9-11

  • January 09, 2018

CMG Financial is attending the NAHB International Builders' Show in Orlando, FL from January 9th - 11th.  Visit us in the South Hall Booth S2640 and check out our new service HomeFundItTM, the first and only approved down payment crowdfunding platform.


CMG Financial Expands Leadership Team with Carl Streicher, Regional Vice President, California

  • January 03, 2018

San Diego, CA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, welcomes Carl Streicher, Regional Vice President, California.  Carl has over 28 years of mortgage industry experience and 15 years of senior leadership experience.  In his new role as Regional Vice President, Carl will spearhead growth initiatives throughout the state of California.


CMG Financial Welcomes Darren Lennemann, Area Sales Manager, Las Vegas

  • December 11, 2017

Las Vegas, NV – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, welcomes Darren Lennemann NMLS 290772, Area Sales Manager, Las Vegas, NV.  Darren is a knowledgeable financial services professional with over fifteen years of mortgage sales and management experience.  


CMG Financial Expands Again with Gilbert, AZ Branch

  • December 11, 2017

Gilbert, AZ – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, has opened a new branch in Gilbert, AZ to serve the greater Gilbert and Chandler area.  The new branch will be instrumental in developing the Arizona market and growing CMG’s Southwestern presence.  The leadership team includes Tim Reed NMLS # 442458 as Area Sales Manager, and Michael West NMLS # 155689 and Joseph Cowart NMLS # 630269 as co-branch managers. 


CMG Financial Expands Southwestern Coverage with Area Sales Manager Tim Reed

  • December 11, 2017

Gilbert, AZ – CMG Financial, a well-capitalized, privately held mortgage-banking firm headquartered in San Ramon, CA, is expanding it Southwestern coverage with the addition of Tim Reed NMLS #442458, Area Sales Manager.  Tim will be based out of Gilbert, AZ and lead growth initiatives throughout this crucial region.


CMG Financial Opens West Des Moines, IA Branch with Branch Manager Kyle Casey

  • December 04, 2017

West Des Moines, IA – CMG Financial, a privately-held, well-capitalized mortgage banking firm headquartered in San Ramon, CA, strengthens its central United States presence with the addition of a new West Des Moines, IA branch, led by branch manager, Kyle Casey NMLS 13352.  Kyle has over a decade of experience originating loans and managing branches throughout the state of Iowa and is looking forward to leading the new team with CMG Financial. 


Giving Tuesday

  • November 21, 2017

This Tuesday, we’re joining the global day of generosity, #GivingTuesday. For us, this is a day when you can make a big impact on the CMG Foundation and the important charities it supports. With your help, we’ll raise funds for the following charities: 

  • Gary Sinise Foundation 
  • Cancer Support Community Bay Area 
  • MBA Opens Doors Foundation 


CMG Financial Welcomes Tom Murrens Area Sales Manager

  • November 20, 2017

Elmhurst, IL – CMG Financial, a well-capitalized, privately held mortgage-banking firm headquartered in San Ramon, CA, welcomes Tom Murrens NMLS # 230968, Area Sales Manager, Elmhurst, IL.  Tom has over thirty years of mortgage leadership experience and has strong Midwestern connections.  As Area Sales Manager, Tom will manage growth and expansion initiatives through Elmhurst and the Greater Chicago Area.


CMG Financial Announces Bill Giandurco, National Builder Business Development Executive

  • November 15, 2017

Fort Lauderdale, FL – CMG Financial, a well-capitalized, privately held mortgage-banking firm headquartered in San Ramon, CA, announced the addition of Bill Giandurco, National Builder Business Development Executive. In his new role, Bill will establish and grow the builder division, leveraging his abundant experience in relationship-building, recruiting, and branding.


CMG Financial Welcomes Julie Green, Area Sales Manager, St. Louis, Missouri

  • November 13, 2017

St. Louis, MO – CMG Financial, a well-capitalized, privately held mortgage-banking firm headquartered in San Ramon, CA, welcomes Julie Green NMLS 236490, Area Sales Manager, St. Louis Missouri.  Julie will lead recruitment and business development initiatives throughout the St. Louis area.  With over fifteen years of mortgage banking experience throughout the Missouri area, her deep regional connections will serve her well in her new position.


CMG Financial Opens Greensboro, NC Branch with Michael Buckhannon

  • November 06, 2017

Greensboro, NC – CMG Financial, a well-capitalized, privately held mortgage-banking firm headquartered in San Ramon, CA, announces the opening of the new Greensboro, NC branch, led by branch manager Michael Buckhannon NMLS #74075. Michael has over two decades of mortgage leadership experience and has spent most of his career in the North Carolina area. Michael’s extensive experience and regional connections will serve him well with hiring and staffing for the new branch.


CMG Financial ranked among ranking criteria in the name of region by Austin Business Journal

  • October 23, 2017

Austin, TX -- CMG Financial announced today that it has been ranked No. 6 by the Austin Business Journal on its Top Austin-area mortgage companies list.  The rankings were published October 6, 2017.  To view the complete List, visit market  


CMG Financial Welcomes Mark Harvey, Regional Sales Manager

  • October 05, 2017

Indianapolis, IN – CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, welcomes Mark Harvey NMLS 504842, Regional Sales Manager, covering Indiana and Michigan. Mark’s experience as a producing manager will serve him well in coaching and developing new mortgage leaders. 


CMG Financial Opens San Jose, CA Branch with Branch Manager Kimberly Ford-Allen

  • September 12, 2017

San Jose, CA - CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, announced the opening of its new San Jose, CA branch led by Branch Manager Kimberly Ford-Allen NMLS 431903.  Kimberly will work as an originating branch manager, serving the surrounding counties of Santa Clara, San Mateo, Alameda, and Contra Costa.  She will build a strong team leveraging her partnerships throughout the region.


HomeFundMe Celebrates First Home Funded

  • September 01, 2017

Monterey, CA – HomeFundItTM (formerly known as HomeFundMeTM), the first and only approved down payment crowdfunding platform, is proud to confirm its first funded home.  Under the guidance of their mortgage loan officer, Wendy Bluhm, Jeff and Hannah Smith gave the new financing solution a try when a grant opportunity fell through.


File Your Hurricane Harvey Insurance Claims before Friday

  • August 29, 2017

Our thoughts and prayers are with the victims of Hurricane Harvey throughout the Texas area.  If you or someone you know has had a home or business impacted by Hurricane Harvey, it is imperative that you file an insurance claim before Friday.


CMG Financial Strengthens Southwestern Coverage with Branch Manager Chuck Biggs

  • August 23, 2017

CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, welcomes Chuck Biggs NLMS# 396834 as branch manager of the Scottsdale, AZ branch.  Chuck brings twenty-seven years of financial services experience, with two decades in mortgage leadership roles. 


CMG Financial Welcomes Branch Manager Wendy Bluhm to Monterey, CA Branch

  • August 22, 2017

CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, welcomes Wendy Bluhm NMLS# 876698, Branch Manager, Monterey, CA.  Wendy will serve the Monterey Peninsula as an originating Branch Manager, developing new business and leading expansion efforts.


Local Lender Receives USDA Rural Development Award

  • August 21, 2017

CMG Mortgage, Inc. Named Gold Million Dollar Lender

Stevens Point, Wis., August 21, 2017 - - - USDA Rural Development Acting State Director, Dave Schwobe, named CMG Mortgage, Inc. as a recipient of the 2016 Gold Million Dollar Lender Award. 


CMG Financial Opens Urbandale, IA Branch Led by DeeDee Kalny

  • August 21, 2017

CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, added another Central Division location with the opening of its new branch in Urbandale, IA.  Local mortgage leader, DeeDee Kalny NMLS# 32567 will serve as the new Urbandale branch manager.  DeeDee has over 13 years of mortgage industry experience, including spending the last decade in leadership positions. 


CMG Financial Opens New Omaha, NE Branch Led by Mike Dein

  • August 07, 2017

CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, expanded its Great Plains presence with the opening of a new branch in Omaha, NE.  Local veteran originator Mike Dein NMLS# 543333 will serve as the new location’s branch manager.  Mike has over a decade of experience in the Omaha region and plans to strengthen the local market and expand throughout the state of Nebraska.


CMG Financial Welcomes Bill Adcock as North Texas Area Sales Manager

  • August 04, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm headquartered in San Ramon, CA, added Bill Adcock NMLS 572242 to grow and develop the North Texas Market as North Texas Area Sales Manager.  He will influence this market by building a strong sales team and exceeding production goals.


CMG Financial Strengthens Pacific Northwest Coverage with New Medford, OR Branch

  • August 02, 2017

CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, has opened a new branch located in Medford, Oregon.  The new branch is the latest addition in a nationwide growth initiative spanning across the country.  The Medford branch, led by Branch Manager Jeff Hall, will serve the greater Oregon area.


CMG Financial Biloxi Branch Recognized in SunHerald People’s Choice Awards 2017

  • July 28, 2017

CMG Financial, a well-capitalized, privately-held mortgage-banking firm headquartered in San Ramon, CA, is proud to announce the Biloxi, MS Branch was voted one of the Top 3 Mortgage Lenders in the SunHerald’s Annual People’s Choice Awards.  The Biloxi Branch, led by originating branch manager Don Blaize, is honored to be selected by the community it serves.


Over Half of All Home Buyers Put Down Less Than 20%

  • July 27, 2017

For most first-time home buyers, the biggest challenge when buying a home is saving for the down payment.  However, the 20% down payment is not as rigid of a requirement as it has been in the past.  Low down payment programs, especially those targeting first-time home buyers, are growing in popularity. 


CMG Financial Adds Chip Larson as Western Divisional Vice President, Retail Lending

  • July 17, 2017

CMG Financial, a privately held mortgage-banking firm headquartered in San Ramon, CA, strengthened its leadership team with the addition of Chip Larson as Western Divisional Vice President, Retail Lending.  Chip will lead and support growth initiatives in the western division and work with other division leaders to achieve national goals.


Average American Credit Score Highest in 12 Years

  • July 04, 2017

The FICO credit score ranks consumers’ credit-worthiness on a scale of 300 (poor credit) to 850 (excellent credit).  The FICO score is the most widely accepted credit score used by lenders and other financial institutions.  The average FICO score hit a record-high, reaching 700 for the first since tracking began 12 years ago. 


The Case for the 10% Down Payment

  • June 08, 2017

One of the most common misconceptions home buyers face is the iron clad 20% down payment.  There are many flexible mortgage financing programs available that do not require a 20% down payment.  Bank of America CEO Brian Moynihan offered his thoughts on the 20% down payment in an interview with CNBC.


CMG Financial Ranked as One of the Nation’s Top Mortgage Lenders

  • June 07, 2017

Scotsman Guide, the leading resource for mortgage originators, named CMG Financial one of the top mortgage lenders of 2016. CMG Financial was ranked among entries from hundreds of mortgage companies across the country, in three categories: Top Overall Volume (15), Top Wholesale Volume (9), and Top Correspondent Volume (7).


CMG Financial Recognized as 2017 Best Places to Work in the Bay Area

  • May 30, 2017

This month, CMG Financial was named one of the 2017 Best Places to Work in the Bay Area.  CMG attributes this honor to its strong culture of success.  CMG’s culture depends on all team members working together to deliver the right loans, for the right reasons, in a way that exceeds all expectations. 


CMG Financial Extends Great Plains Reach with Ryan Hatleli

  • May 22, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm, continues national expansion with the addition of Ryan Hatleli, Regional Manager, Great Plains.  Ryan’s expansive network of connections and extensive managerial experience will serve him in his new role as he develops the Great Plains region.


CMG Financial Deepens Southern California Presence with Danny Talia

  • May 22, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm headquartered in San Ramon, CA, is strengthening its Southern California presence with the addition of Danny Talia, Regional Sales Manager.  Danny will support CMG’s existing branches and lead growth initiatives throughout the Southern California area.  He chose CMG Financial because of its extensive marketing support and reputable leadership.


CMG Financial Increases Southern Presence with Jeff Fair

  • May 17, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm, continues its coast to coast expansion with the addition of Jeff Fair, Alabama Area Sales Manager.  Jeff is currently managing three offices in Auburn and Orange Beach, Alabama and Panama City, Florida with plans to grow throughout the Gulf Shores region.


CMG Financial Continues Southeastern Expansion with Don Blaize

  • May 16, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm, continues its Southeastern expansion with the addition of Don Blaize, Branch Manager, Mississippi.  Don is a nineteen-year industry veteran that thrives on developing new business and overcoming any professional challenges.



The Advantage of Underwriting Teams

  • May 12, 2017

CMG Financial groups each loan originator with a small group of underwriters to facilitate open communication and fast and accurate transactions.  When underwriters are overwhelmed loans are processed more slowly and mistakes are made. 


CMG Financial Broadens Southwestern Coverage with John Callahan

  • May 10, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm, deepens its Southwestern coverage with the addition of John Callahan, Regional Manager, Southwest.  John’s extensive mortgage leadership experience and regional relationships make him the ideal candidate for developing this critical location.


CMG Financial Expands Mid-Atlantic Leadership with Joe Lee

  • May 03, 2017

CMG Financial, a well-capitalized mortgage-banking firm, announced its latest leadership hire, following a successful onboarding assembly on the East Coast.  Joe Lee joins CMG Financial as Regional Manager of North Carolina and Virginia.  Joe has over twenty-five years of sales and lending experience and will oversee Mid-Atlantic growth.  His extensive regional ties and overall industry knowledge make him a natural fit for the position. 


MBA National Secondary Conference & Expo 2017

  • April 18, 2017

It’s time for one of the biggest Mortgage Conferences of the year in the biggest financial center in the country: the MBA National Secondary Market Conference & Expo 2017 in New York, New York.


Joining the 800+ Credit Club

  • April 05, 2017

Lenders use credit scores to determine a borrower’s ability to repay debt like mortgages and vehicle loans.  Credit scores impact lending terms, mortgage rates, and financing eligibility.  Typically, scores above 700 are considered good.  TransUnion reports only about 20% of Americans have a score above 780 and even fewer rank above 800.  How can consumers improve their credit score and reach these elite ranges?


CMG Financial Strengthens Sales Leadership with Nate Hernandez

  • April 04, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm announced the addition of Nate Hernandez as Regional Sales Manager.  Hernandez will facilitate growth and expansion throughout the Mountain and Southwest regions including the states of Montana, Wyoming, Colorado, New Mexico, Arizona, Utah, and Nevada.


4 CMG Financial Originators Ranked as Scotsman Guide 2016 Top Originators

  • April 03, 2017

Scotsman Guide, the leading resource for mortgage originators, released its seventh annual Top Originators rankings on April 1st.  CMG Financial is pleased to announce four of our originators ranked as 2016 Top Originators.  Please join us in congratulating Carey Ann Cyr, Jill Lyons, Ryan Holford, and Kory Kavanewsky.


MBA Opens Doors Foundation

  • March 29, 2017

We truly believe home is where the heart is.  For those suffering from illnesses, having a place to call home can be just as healing as the hospital.  Unfortunately, unexpected medical expenses have the potential to cause major financial damage to families.  The MBA Opens Doors Foundation is here to help. 


CMG Financial Deepens Pacific Northwest Presence with Everett Abicht

  • March 29, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm, announced the addition of Everett Abicht as Regional Sales Manager of Oregon, Washington, and Idaho.  The Pacific Northwest is consistently one of the most active real estate markets, and Everett’s addition will be instrumental in overseeing production and expansion.


The Advantage of an In-House Marketing Agency

  • March 28, 2017

CMG Financial’s marketing department is a built-in ad agency complete with graphic designers, videographers, web developers, copywriters, and strategists.  Leveraging industry expertise, the agency is constantly innovating and creating brand awareness through every media channel on a companywide and individual basis. 


CMG Financial Welcomes Tim Parent as Vice President of Project Standards

  • March 27, 2017

CMG Financial, a well-capitalized, privately held mortgage-banking firm, continues its national expansion with the addition of Tim Parent to its management team.  Parent will serve as Vice President of Project Standards to focus on growing condo and co-op lending.  In his previous roles, Parent has proven his ability to build new business and push departments to their full growth potential.


CMG Financial Welcomes New Central Division Manager Craig Goetz

  • March 16, 2017

CMG Financial continues its Midwestern expansion with the addition of Craig Goetz as Central Division Manager.  In his new role, Goetz will manage retail production for CMG Financial’s Central and Great Lakes Division with an emphasis on overall growth and an increase in production volume. 


The Advantage of Operational Efficiency

  • March 13, 2017

Even the best loan originators can face workflow bottlenecks that delay deals and may even strain customer relationships.  At CMG Financial, processors are expected to close a limited number of loans a month to ensure accurate and expeditious workflow. 


The Advantage of Strong Relationships

  • February 27, 2017

CMG Financial stays on the forefront of industry trends through relationships with Freddie Mac, Fannie Mae, and Ginnie Mae.  To maintain a competitive advantage in this industry CMG Financial executives and managers pursue leadership roles in industry organizations like the National Mortgage Bankers Association.


No Substitute for the FICO Score

  • February 23, 2017

One of the first steps in securing a home loan is determining the borrower’s credit score.  With multiple credit bureaus reporting on different factors, the borrower may see multiple versions of their credit score.  Additionally, lead generation websites are constantly phishing consumers to get their free “credit scores.”  HousingWire reports that new research suggests that the VantageScore is not the same as a FICO score despite claims asserting otherwise.


Looking Forward

  • February 13, 2017

CMG Financial thrives on its ability to deliver extraordinary experiences to every customer because of its commitment to service. 


Breaking Down Dodd-Frank

  • February 07, 2017

The Dodd-Frank Wall Street Reform is the legislation that was enacted after the financial crisis to reduce predatory lending and regulate the banking industry.  On Friday, President Trump signed an executive order to reconsider post-financial crisis regulations, like Dodd-Frank.


Pete Castillejos Added to 2017 Mortgage Bankers Association of Hawaii Board and Officers

  • February 02, 2017

Pete Castillejos, Branch Manager of CMG Financial’s Honolulu Office, was named a director on the 2017 Mortgage Bankers Association of Hawaii Board and Officers.  Castillejos is one of only sixteen members of the leadership team of this adjunct chapter of the National Mortgage Bankers Association.  In his new role, he will continue to promote fair and ethical lending practices and encourage professional collaboration among mortgage professionals through educational events, programs, and publications.


CMG Financial Welcomes New Shorewood, WI Branch

  • January 30, 2017

CMG Financial, a privately held mortgage-banking firm, opens the new year with a new branch in Shorewood, WI.  Headquartered in San Ramon, CA, CMG Financial is continuing to solidify its national presence with Midwestern and Eastern expansion efforts.  The new Shorewood branch will serve the city of Milwaukee and the North Shore region and facilitate further opportunities in the Midwest.


Ben Carson’s To-Do List

  • January 24, 2017

Last week, the Senate Committee on Banking, Housing and Urban Affairs began its hearing for Dr. Ben Carson’s appointment as Secretary of the Department of Housing and Urban Development.  This morning, his nomination was approved. Past HUD secretaries chose to take on flagship issues during their terms.  With Dr. Carson’s background as a neurosurgeon and his abundant contributions to the medical field, housing experts predict that “health and housing” will be one of his signature issues.


Western Division Vice President Announces Expansion Initiative

  • December 28, 2016

Western Division Vice President, Dave Herbst, unveiled expansion plans for CMG Financial’s Wholesale Lending Channel.   The Wholesale Lending Channel functions on developing innovative relationships with select partners by providing adequate support to fulfill production needs.  Available territories include Hawaii, Western Washington from Olympia to Seattle to Bellingham and Southern California encompassing Los Angeles, Riverside, and San Bernardino counties.


CMG Financial Welcomes Industry Leader Tony Giglio

  • December 08, 2016

CMG Financial welcomes mortgage-banking professional Tony Giglio to its senior management team.  Giglio joins this month as Vice President of Retail Lending.  He is an accomplished mortgage banking leader with two decades of retail lending experience and several previous managerial roles including leadership positions at New Penn Financial and Countrywide Home Loans. 


CMG Financial Adds Two Industry Leading Managers to Eastern Division

  • November 15, 2016

CMG Financial is excited to announce that Michael Pancoast has recently joined as the Area Sales Manager for the Mid-Atlantic Region. In this role, Michael will focus his recruiting and growth efforts on Pennsylvania, New Jersey, and Delaware.  


Five Star Professional and Diablo Magazine Award CMG Financial

  • October 26, 2016

Congratulations to CMG Financial’s San Ramon team!  They were recognized as 2016 Five Star Home Professionals by Five Star Professional and Diablo Magazine.


#FORWARD Thinking at the MBA Annual Convention and Expo

  • October 25, 2016

The industry’s esteemed mortgage banking executives are away this week attending the MBA Annual Convention and Expo.  This year’s conference highlights the future of the mortgage banking industry with a central theme of moving #FORWARD.  The event is taking place October 23-26 in Boston, MA.


CMG Financial Correspondent Lending Sponsors the MBA’s Annual Convention & Expo 2016 #HEROES

  • October 07, 2016

CMG Financial Correspondent Lending is proud to be a Diamond Sponsor at the MBA’s Annual Convention & Expo 2016 #HEROES


CMG Financial Continues Expansion with Three Denver Locations

  • September 28, 2016

CMG Financial announced the addition of three new branches in the greater Denver Area.  The North Denver Branch, serving the Westminster Area, the Central Denver Branch serving Greenwood Village, and the South Denver Branch serving Englewood are now currently operating.  The branches are off to a surging start, set to close over seventy loans by the end of the month.     




CMG Financial Expands with the Addition of Paul Akinmade

  • August 05, 2016

CMG Financial continues to expand with the addition of Paul Akinmade as SVP, Marketing. 


CMBA 44th Annual Western Conference

  • July 18, 2016

Meet Us In San Francisco at the CMBA 44th Annual Western Conference July 25-27, 2016!


Featured in California MBA's Finance News Magazine

  • June 17, 2016

CMG Financial on the Future of the Industry


In this special edition of our Roundtable series, we interviewed three top executives with one of our President’s Council sponsors, CMG Financial, a top residential mortgage lender based in San Ramon. The future of the industry will be determined by how innovative companies like CMG Financial respond to new regulatory realities, market disruptions, and more.



Habits That Will Boost Your Credit Score

  • April 29, 2016

If you're aiming to buy a home this year, chances are you’re taking a look at your credit score and wondering how to give it a boost. Check out these habits that could help improve your score.


New York, New York! MBA National Secondary Market Conference & Expo 2016 Sunday, May 15 through Wednesday, May 18th 2016

  • April 18, 2016


The MBA’s National Secondary Market Conference & Expo 2016 will be hosted at the New York Marriott Marquis, our team of mortgage professionals will be meeting with partners and making connections in the Ziegfeld Room on the fourth floor.



Let’s get together to share ideas and find solutions.      


Home Price Appreciation

  • April 14, 2016

Appreciation is the increase in the value of an asset over time. The increase can occur for a number of reasons including increased demand or weakening supply, or as a result of changes in inflation or interest rates,” (


Down Payment Assistance

  • April 01, 2016

Are you dreaming of buying a home but balk at the amount of cash needed for the down payment alone? Your down payment will affect the terms of your mortgage loan so the importance of this portion of the loan is evident. But what you might not know is the source of your down payment can be from a gift.


Locking Your Loan

  • March 30, 2016

Locking the rate of your loan can feel like a game, a very intimidating game. Here’s what it means and how to make it work for you and your financial situation.


What’s Happening in the Market?

  • March 21, 2016

Spring has officially sprung and with the turn of the seasons, the housing market is on the minds of many. The market has changed a lot since the beginning of the year so here’s what is in store in these coming months.


Is Country Living for You?

  • March 18, 2016

We explored city living in an earlier blog post. So now it’s time we dive into country living, its features, and if it’s right for you.


Finding That Pot of Gold: The Basics of a Home Search

  • March 17, 2016

If you’re considering jumping into the housing market this year, here are some basic home search tips that just might bring you a little luck!


What to Look for in a Retirement Home

  • March 16, 2016

As you get older, finding a home for retirement becomes a higher priority. Here are some features you should keep in mind when searching for the perfect retirement home for you.


What it Means When Your Mortgage is Sold

  • March 15, 2016

After your home loan has funded, you might be busy moving in and getting settled. But behind the scenes, your loan is still going through a process.



Get the Best Photos of Your Home with These Tips

  • March 14, 2016

Pictures say a thousand words so get a good one when broadcasting your home to potential buyers. Follow these tips to get the best photos of your home.


High Impact/High Return Home Improvements

  • March 11, 2016

When you’ve bought a home, it is easy to get caught up in aesthetics and decorating. But when you are saving up money to make some upgrades, keep in mind what you will actually recoup when you sell your home in the future.


Is Condo Living for You?

  • March 10, 2016

There are many different styles of homes so finding the one for you and your lifestyle could be a challenge. Here are some characteristics of condo living. 


Qualifying for a Loan When You Are Self-Employed

  • March 09, 2016

Getting a home loan today is tougher than it has been in the past. Lenders are required to follow a plethora of rules and regulations to ensure and prove they are funding qualified loans to responsible borrowers. Here is what you need to know if are trying to qualify for a loan as a self-employed borrower.


CMG Financial Wholesale Attends NAMB East

  • March 08, 2016

CMG Financial National Wholesale will be attending the NAMB East conference in Hilton Head Island, South Carolina from Wednesday, March 9 through Friday, March 11, 2016.



How to Break a Lease When You’ve Purchased a Home

  • March 07, 2016

It’s hard to get the dates matched up perfectly. There will most likely be some overlap in time when purchasing a home and breaking a lease. Here’s how to break a lease:



Home Items Worth the Splurge

  • March 04, 2016

Previously, we’ve discussed shopping for discount prices when it comes to home furnishings and even repurposing old furniture. But there are some pieces that are worth the splurge. Check it out.


Join CMG Financial at the Lenders One Conference

  • March 03, 2016

Join CMG Financial’s Correspondent Lending team this weekend at the Lenders One Winter Conference 2016.


Advice for Working with a Seller’s Agent

  • March 02, 2016

Working with a seller’s agent means you are ultimately using the same agent for both selling and buying the same property in the same transaction. Here is some advice for working with a seller’s agent.


Calculate How Much Home You Can Afford

  • March 01, 2016

If you’re looking to purchase a home this year, chances are you’re looking at your finances and wondering where to start when deciding on what you can afford. Here are some tips for calculating how much home you can really afford.


Tips for Repurposing Old Furniture

  • February 29, 2016

What is now becoming a hot fashion trend can also be your next hobby as well as a fantastic way to decorate your home for cheap. Here are some tips for repurposing old furniture.


Are You a Pet Owner? Consider These Things When Buying

  • February 26, 2016

Pets are very much a part of your family. When you are looking to buy a home, it is natural to keep them in mind. Here are some of the things you should consider when looking to purchase a property.


What You Need to Know Before Buying a Vacation Home

  • February 25, 2016

Are you considering investing in a vacation home? Here are some things to keep in mind before purchasing that property.


Protect Your Belongings During an Open House

  • February 24, 2016

An open house can feel like an intrusion of your space and private sanctuary. But it’s also a necessary step to sell your home. Here are some tips to protect your belongings during the process.


4 Ways to Deal with a Messy Neighbor

  • February 23, 2016

Everyone has their own way of dealing with messes. Some people are naturally clean and organized individuals and others don’t mind living in a little clutter. But when you have a neighbor whose clutter or downright mess is affecting your property, something might need to be done. Here are some steps to take when dealing with a messy neighbor.


What You Can and Cannot Live Without in Your First Home

  • February 22, 2016

So you’re thinking about buying your first home. You’ve browsed websites, checked out pictures, and starting compiling a list of which features you would like in your new home. Before you grab that long list of features you would like, take a look at what you probably can and cannot live without in your first home.


The Best Way to Turn Your House into a Smart Home

  • February 19, 2016

Turning your home into a smart home doesn’t have to be an expensive undertaking. Here are some steps to follow to get your home synced up with technology.


Things to Consider When Buying a Short Sale

  • February 18, 2016

For many, short sale properties are a draw for potential buyer because of the lower price they are listed at. But before you choose to make an offer and invest in a short sale property, here are some things to watch out for.


What to Look for at an Open House

  • February 17, 2016

Trekking through multiple open homes over many weekends can be tiring. The homes might even start all blurring together until you can’t remember which you liked versus those properties you wanted to pass on. We’ve compiled a list of things you should be on the look out for when hunting those open houses. So grab a notebook and get ready to become an open house professional.


4 Ways to Brighten Up a Windowless Room

  • February 16, 2016

Don’t let a room without windows keep you from bringing brightness to the area. Follow these tips on how to brighten up a windowless room today.


Happy Presidents' Day

  • February 15, 2016

Today we celebrate Presidents’ Day, a holiday that began in 1885 in recognition of President George Washington’s Birthday. It is a day now observed to honor all presidents both past and present.


5 Things to Consider Before Listing Your Home on AirBnB

  • February 12, 2016

Renting your home out while you are away has been a growing in popularity nationwide. Here are some tips to make your experience a smooth one while still earning some cash. 


TRID Error Corrected

  • February 11, 2016

Effective Wednesday, February 10, 2016, due to the CFPB correcting a typographical error that was found within the TRID supplemental material, a small section of the rule has been changed.


Tax Deductions Homeowners Should Know About

  • February 10, 2016

Buying a home is a major financial decision. But with it comes some rather significant tax breaks. If you are a homeowner, check out some of these common tax deductions you may be eligible for.


Signs of an Up and Coming Neighborhood

  • February 09, 2016

Not sure if the neighborhood you have your eye on is going to develop into the prosperous area you are hoping for? Compare it to these signs of an up and coming neighborhood to see if it’s on track to be the next hot neighborhood.



The Right Way to Split Rent

  • February 08, 2016

Splitting rent does not have to be a painful or uncomfortable situation each month. Follow these steps to set some ground rules and make sure the bills are divvied up equally and appropriately.


The Best Apps for Home Decorating

  • February 05, 2016

Remodeling and redecorating a home are huge undertakings. Here are a handful of apps to help you – from inspiration to practicality.


Your Guide to Real Estate Terms

  • February 04, 2016

The mortgage process is confusing enough. Don’t let the terms involved confuse you further. Here’s your guide to common real estate terms you may encounter in the housing market.



3 Ways to Make Your Offer Stand Out

  • February 02, 2016

With the market expected to see more competition this year again, getting your offer noticed is going to be huge. Here are three ways to make your stand out.


National Mortgage Professional Magazine Names CMG Financial a Top Mortgage Employer

  • February 01, 2016

CMG Financial is honored to be recognized on National Mortgage Professional Magazine’s list of America’s Top 100 Mortgage Employers Nationwide.


Organize Your Closet Today

  • January 29, 2016

Tired of opening that closet to be greeted by a complete disaster? Or are you tired of just plain old not being able to open your closet because of that disaster? Follow these tips to organize your closet today!


The Best Questions to Ask During an Open House

  • January 28, 2016

Going to an Open House is important for scoping out a property and deciding if you would like to make an offer. So make sure to get the most out of your visit by asking these questions:



How to Battle Cabin Fever During the Winter

  • January 27, 2016

Whether or not you love the winter weather, a few days of being cold and stuck inside can get boring quickly. Here’s how to beat that cabin fever and make the most out of these cold, gloomy days.


Which House Projects Require Permits?

  • January 26, 2016

Thinking about making improvements to your home? Be warned that some projects may require a permit from the city before you get started. Here are some common projects that will require some extra prep work on your part to ensure you stay within your city’s regulations on such matters.


Common Household Ingredients Used for Cleaning

  • January 25, 2016

Tired of spending a fortune on cleaning supplies that seem to only do half the job? Here are some common household items that can be used to clean your home: 


CMG Financial's Joe Cabrall Graduates from the CMBA Future Leaders Program

  • January 22, 2016

We are proud to recognize Joe Cabrall, Vice President of Corporate Accounts, on his graduation from the CMBA Future Leaders Program. Cabrall graduated from the program in November 2015.


Tankless Water Heaters

  • January 21, 2016

Many homes today are boasting a newer feature: the tankless water heater. What is it and is it worth it?


Predictions for 2016

  • January 20, 2016

The year 2016 is already shaping up to be an eventful one. Here’s a look ahead at what is anticipated to happen:


Should You Sell Your Home Yourself?

  • January 19, 2016

Have you driven around on your hunt for a house and seen “For Sale by Owner” signs? What are the pros and cons of selling a home yourself? Let’s explore this idea.


Martin Luther King, Jr. Day

  • January 18, 2016

Today we honor and celebrate Martin Luther King, Jr.


Faking a Clean House

  • January 15, 2016

Sometimes actually cleaning your house is not feasible that day. Or maybe you have last minute guests that will be arriving at any moment. Here’s how to fake a clean house and still wow.


Homeowners: Don't Make These Costly Mistakes

  • January 14, 2016

It’s easy to get caught up in the daily grind of life. But as a homeowner, you have extra responsibilities for maintaining a property. Make sure you avoid making these costly mistakes with your home.


Traditional HOA Rules

  • January 12, 2016

Are you looking at a property that is part of a Homeowner Association (HOA)? Here are some of the traditional aspects the HOA controls or puts rules on.


Open House Tips for the New Year

  • January 11, 2016

Thinking about selling a home this year? Here are some Open House tips that could help your property stand out among the competition.


Give Your Fireplace an Upgrade

  • January 08, 2016

The winter months are still among us and with it, more attention is drawn to warmth. Maybe you’ve overlooked your fireplace or put off upgrading it. But now is the time! Check out these upgrades that will give your fireplace new life.


Proper Tree Disposal

  • January 07, 2016

It’s that time of year again! When the Christmas trees start browning and it’s time to dispose of them – properly! Here’s how:


Renting in 2016

  • January 06, 2016

Despite the fact that buying a home is a more affordable option than renting in most areas of the country, 2016 is expected to see the amount of people renting remain the same or even grow. Let’s take a look at the state of renting in 2016.


Why the Rate Hike Isn't All Bad

  • January 05, 2016

In December, the Fed announced that they would be raising rates for the first time in nine years. This news was met with a variety of reactions, but here’s why it is nothing to panic over.


TRID Check In

  • January 04, 2016

Today marks the beginning of our newest adventure: housing in 2016. We recently reviewed the biggest news of 2015 and what we anticipate to come in 2016. Probably the biggest issue still rocking the industry is TRID. Let’s take a closer look at how the rule is shaking up the industry.


Happy New Year!

  • January 01, 2016

Happy New Year!


2015 Closing Notes and Thoughts

  • December 31, 2015

Tonight we will countdown the last moments of 2015 as we launch ourselves towards another year of hope, promise, and success.


Host the Best New Year's Eve Bash

  • December 30, 2015

Cue the excitement and ringing in the New Year! Here are the essentials you need to host the best New Year’s Eve bash tomorrow.


New Year Resolutions for Your Home

  • December 29, 2015

You are probably making resolutions for yourself for the New Year. Why not make some for your home as well?


Planning for a Successful New Year

  • December 28, 2015

Need some help kicking off the New Year right? Here are our five tips on how to plan for a successful new year.


Happy Holidays!

  • December 25, 2015

Happy Holidays from all of us at CMG Financial.


Make Your Home Smell Like the Holidays

  • December 24, 2015

The smell of the holidays triggers happiness and festivity. Follow this stovetop recipe from Whole Lifestyle Nutrition to fill your home with the aroma of the holidays.


More Rate Hikes Expected Next Year

  • December 23, 2015

Now that the Federal Reserve has gotten the ball rolling with the first hike in rates in nearly a decade, the industry should expect to see similar hikes in the future.


Tips for Showing Your Home in Winter

  • December 22, 2015

Showing your home in the winter months used to be extremely rare. Now with the constant access to listings and housing in demand year round, showing your home during the cooler seasons is no longer uncommon. However, buyers will be looking at very different aspects of your home than if they were searching during the traditional busier summer months. Here are some tips on showing your home during winter.


Most Desired Home Features

  • December 21, 2015

The desired features of a home have changed dramatically over the years. Here are some that have been trending over the last few years.


Cleaning Tips for Those Holiday Messes

  • December 18, 2015

Did your home find itself frequented by a plethora of visitors this holiday season? Chances are your home is also finding itself victim to messes. Here are some tips on how to clean the worst of the holiday messes.


Federal Reserve Hike Rates

  • December 17, 2015

On Wednesday, December 16, 2015, the Federal Reserve officially announced they would gradually increase interest rates to a range of .25% to .50%.


Should You List Your Home in January?

  • December 16, 2015

You’ve made it through the holiday season and are ready to get a jump on 2016. While the market is still typically slower, listing your home for sale in January could be a good decision to get the most out of the market.


Last Minute Holiday Ideas

  • December 15, 2015

The holidays are among us and our calendars are booked. Here are some last minute holiday ideas to make sure you squeeze in the holiday spirit.


What's Ahead in 2016?

  • December 14, 2015

Predicting the future is no easy task. But based on what occurred in 2015, we can guess how 2016 will shape up in the mortgage and housing industries.


FHA Loan Limits for 2016 Announced

  • December 11, 2015

The Federal Housing Administration (FHA) announced this week its loan limits for 2016.


The Latest Job Report

  • December 10, 2015

This past Friday, the latest job report was released giving us further insight into the state of the economy and potential changes coming up.


Conforming Loan Limits Announced for 2016

  • December 09, 2015

As expected, the Federal Housing Finance Agency reevaluated many areas on the country in order to adjust the conforming loan limits accordingly. While much of the nation was left untouched, thirty-nine “high-cost” counties saw the limits changed.


What You Should Know About the Market

  • December 08, 2015

As we enter the final month of the year, the industry is used to a pattern in the market for this normally slower time of year. But here’s what is really happening and what you should know about:


Company Holiday Party Etiquette

  • December 07, 2015

The festivities are upon us and many of our calendars are now full of celebrations, dinners, and cocktail parties. Here are some “rules” to follow when attending your company holiday party to ensure you maintain a level of professionalism while still enjoying yourself.


What is a "Contingent" Listing Status?

  • December 04, 2015

You may have seen a “contingent” listing in your home search. How does this differ from an active or pending listing? Let’s explore and see how this can actually aid you in finding a home.


Are Qualified Mortgage Changes on the Horizon?

  • December 03, 2015

On Wednesday, November 18, the House of Representatives voted to alter the definition of Qualified Mortgage. Despite the White House having previously stated that such a bill would face a veto if it reached the White House, the House of Representatives voted to push the bill through anyways.


Presidential Candidates Finally Talk Housing

  • December 02, 2015

In the past few weeks, 2016 Presidential Candidates have begun touching on housing and economic topics in debates. Here’s a breakdown of what has been discussed by some of the prominent candidates.


The Year in Review

  • December 01, 2015

The mortgage industry saw some radical changes during the year 2015. While some changes are still top of mind and dominating our daily business, others created a significant impact that we have grown accustomed to. Let’s take a look back over 2015 and what the industry endured.


FHA Finally Hits Capital Mandate

  • November 30, 2015

For the first time since 2008, the Federal Housing Administration, also known as FHA, has reached its congressionally mandated threshold of 2% well ahead of schedule.


Your Guide to Black Friday

  • November 27, 2015

Are you considering braving the crowds on Black Friday? Or will you attack the sales from your couch? Either way, here are some tips on how to win this Black Friday.


Happy Thanksgiving

  • November 26, 2015

Happy Thanksgiving to you, your family, and your loved ones.


Moving Into Your First Home? Here's What You Need

  • November 25, 2015

Moving into your first home is a big step. It can be overwhelming to get everything organized and set up on time to make your transition smoothly while having necessities ready for you. Here’s what you need to make your move as easy as possible.


TRID Compliance Exams for Lenders

  • November 24, 2015

The Office of the Comptroller of the Currency has notified lenders that it will soon begin its initial examinations of compliance with the TRID rules launched October 3, 2015.


Foreclosure Crisis Still Prevalent

  • November 23, 2015

With all the news about the improving market, low rates, and looser credit guidelines, it is easy to overlook the fact that foreclosures are still a prominent feature of the market today.


Holiday Safety Tips

  • November 20, 2015

The holidays are among us! While we decorate our homes and spend time with loved ones, keep these safety tips in mind to avoid any accidents.


How to Care for Your Appliances

  • November 19, 2015

How many of you actually follow the care instructions on your appliances to make them perform better and last longer? Maybe you haven’t even read them since moving in or purchasing new ones. If so, here are some quick tips on how to get the most out of your appliances with minimal maintenance.



A Perpetual Housing Bubble

  • November 18, 2015

If history repeats itself, are we bound for a perpetual housing bubble? Let’s explore this idea.


Millennial Homeownership

  • November 17, 2015

Millennial homeownership is predicted to rise sharply within the next year or two. What does this mean and how should you prepare?


The Ultimate Thanksgiving Dinner

  • November 13, 2015

Whether you’re cooking for one, two, or forty, planning a Thanksgiving dinner can be overwhelming. So here’s your guide to planning the ultimate Thanksgiving dinner.


What is a Cash-Out Refi?

  • November 12, 2015

You often hear the term “cash-out refinance” when researching refinancing options on your current loan. But what exactly does this mean?


Veterans Day

  • November 11, 2015

To all the veterans...


Why is Your Credit Score Important?

  • November 10, 2015

Ever wonder why your credit score is constantly being checked when you try to borrower money? Here’s why.


Does the History of a Home Matter?

  • November 09, 2015

The history of a home is often taken into consideration when purchasing a property. Some buyers have clear restrictions on what they will and won’t find acceptable. Others are more interested in the present and future opportunities with a property. What would drive you away?


Secure Your Home for Holiday Travels

  • November 06, 2015

If you’re planning on heading out of town anytime during this holiday season, be sure you secure your home. Here’s a helpful guide to ensure the safety of your home while you are away.


Plan a Dinner Party to be Remembered

  • November 05, 2015

As the holidays creep up on us, we all watch as our calendars fill up with events and dinner parties are planned with friends and family alike. If you happen to be the host for one of these celebratory evenings, don’t get overwhelmed. Follow these tips on how to host a dinner party that will “wow!” your guests.


The 2016 Presidential Candidates and Housing

  • November 04, 2015

Is your choice in 2016 presidential candidate support going to be based largely on their stance on the housing industry? If so, you’re probably still waiting to decide whom you will back. To date, no candidate has said much of anything on the housing market. 


How is TRID Faring?

  • November 03, 2015

It has been a month since the new rule TRID was officially implemented. How is the industry faring since that time?


The Fed and the Rate Hike

  • November 02, 2015

The Fed announced last week that interest rates would again be left alone.


Happy Halloween

  • October 30, 2015

Wishing everyone a safe, scary, and memorable Halloween!


Daylight Saving Time Tips

  • October 29, 2015

Daylight Saving Time is once again upon us. And while our clocks will fall backwards this Sunday morning, your body will most likely need some time to adjust its internal clock to this new schedule. While an hour might not seem like much of a difference, here are some ways to help you get through the change safely and quickly.


Should There Be a Cap on Rent?

  • October 28, 2015

It’s no secret the climbing costs of rent have become a burden on most renters in the nation. With renters now spending an average of 30% or more of their monthly income on rent, the conversation around rent control comes up frequently.


Jumbo Loans Continue to Dominate

  • October 27, 2015

A mortgage loan with a high balance, generally exceeding $417,000, is considered a jumbo loan. These loans are dominating the market right now and here’s why.


What is Inflation?

  • October 26, 2015

We hear about it all the time – the effects of inflation on the economy. But what exactly does it mean? And what roll does it play in our lives?


Five Steps to Become the Best Trick-or-Treat House on the Block

  • October 23, 2015

Halloween is just around the corner. If you haven’t started prepping your house for those tiny trick-or-treaters, fear not. Follow these five steps to become the best trick-or-treat destination on the block!


TRID Grace Period

  • October 22, 2015

Mortgage lenders and professionals have been calling for a TRID grace period since the new rule was first announced. With the extensive overhaul in how mortgages are now processed, a grace period would offer lenders who have adopted the new regulations in good faith a grace period to comply.


Should We Show Homes Via Drones?

  • October 21, 2015

We have entered the age where drones are now the norm. They are on the verge of delivering packages. They hold cameras and take video. They are causing problems with airplanes while being touted for their usefulness when it comes to military missions. Should we take advantage of this new technology to show potential buyers new homes?


Do You Need to Hire an Interior Designer?

  • October 20, 2015

Do you need to hire an interior designer? An age-old question often asked by those attempting to decorate their home with the latest trends and the chicest fashions. Is it necessary, though? Let’s explore the pros and cons


Disparate Impact Ruling

  • October 19, 2015

In June of this year, the Supreme Court passed a ruling allowing a legal doctrine of disparate impact to be recognizable under the Fair Housing Act. What does this mean?


Correspondent Lending at the MBA Annual Convention and Expo

  • October 16, 2015

CMG Financial Correspondent Lending will be present at the MBA’s Annual Convention & Expo 2015 held at the San Diego Convention Center in San Diego, California.


NAMB National Conference

  • October 15, 2015

CMG Financial Wholesale Lending will be attending the NAMB National Conference on Saturday, October 17th through Monday, October 19th. This year’s event will be held at Luxor in Las Vegas, Nevada.


Got Popcorn Ceilings? Here's How to Properly Remove Them

  • October 14, 2015

Tired of looking at the “popcorn ceiling” throughout your home? You can call in a professional to get rid of it, or you can follow these steps for a quick DIY project this weekend. While the steps are easy, be sure to take your time and be careful for the best results.


How to Paint a Room

  • October 13, 2015

Painting a room might not seem like a big deal. But before diving in without preparing, avoid making a painting mistake by adhering to these tips.


What is Columbus Day?

  • October 12, 2015

Columbus Day became a federal holiday in 1937. The day commemorates Christopher Columbus landing in the New World in October of 1492.


Dealing with a Pest Infestation

  • October 09, 2015

It creeps up on you when you least expect it. Whether it’s ants, spiders, or other unwanted bugs, pest infestation is not an uncommon issue to deal with as a homeowner. Get in front of the situation and know how you will handle it should the occasion arise.


DIY Home Improvement Projects

  • October 08, 2015

From time to time, it’s always nice to spruce things up and make them feel or look like new again. Maybe a full makeover or remodel is out of the question. But here are some do-it-yourself projects to improve your home today!


Why Do Refinancing Swings Vary?

  • October 07, 2015

What causes an upswing in refinancing loans? What pushes people away from this option? While the reasons are varied and extensive, here are just a few to explore in more detail.


Safety Tips for Remodeling

  • October 06, 2015

Many homeowners at some point do a bit of remodeling to their home throughout the years. While most of the focus goes into specifics, budget, and new designs, a oft overlooked part of the project could potentially be the most important one: safety.


TRID Now Rules

  • October 05, 2015

On Saturday, October 3, 2015, the TILA-RESPA Integrated Disclosure (TRID) rule was officially implemented. Today marks the first business day in which all mortgage business will be conducted under this new rule.


Four Tips to Living with Roommates

  • October 02, 2015

It doesn’t matter if you know your roommates prior to living together or not. Many issues arise no matter what the circumstances. Friction in your home is always stressful and difficult to deal with. So here are four tips on how to prevent problems and handle living with roommates.


City vs. Country Life

  • October 01, 2015

There’s a clear distinction between city life and country life. Most people prefer one to the other and choose to purchase a home with these preferences and pros and cons in mind. Let’s explore both here.


Homeowners vs. Appraisers

  • September 30, 2015

The ultimate housing market conflict: the homeowner versus the home appraiser. It seems the gap between these two parties is growing ever greater.


What's Going on with Mortgage Applications?

  • September 29, 2015

The traditional “housing season” has come to a close with the start of school classes and cooler weather beginning to set in. So what’s going on with mortgage applications?


Mortgage and Anti-Money Laundering

  • September 28, 2015

The Financial Crimes Enforcement Network, or FinCEN, is the administrator of the Bank Secrecy Act. They enforce the ruling requiring all residential mortgage lenders and originators to establish anti-money laundering program and report any suspicious activities under the Bank Secrecy Act.


Plan the Ultimate Stay-cation

  • September 25, 2015

Did you miss your chance to get away this summer? It’s not too late. You can still enjoy a relaxing break with these fun, cheap, and easy “stay-cation” ideas.


Tricks to Gallery Walls

  • September 24, 2015

You have probably seen those highlights in magazines of a room where one wall is a beautiful collage of artwork and photography. Maybe you have even tried to recreate that yourself with the end result looking closer to a three-year-old’s failed attempt at “decorating.” How do the pros manage to create a masterpiece through a simple but elegant gallery wall? Let’s take a look.


Here's What to Do if Your Home Isn't Selling

  • September 23, 2015

It’s not uncommon for a home to sit on the market for longer than you had hoped. While you see a fast-selling property, others seem to barely glance over. What can you do to help move the process along and increase interest in your home?


Preparing for an El Nino Year

  • September 22, 2015

This year is being categorized as an El Nino year, meaning the warmer weather of the summer months could greatly affect the winter we face ahead. The sea surface temperatures are trending higher than normal indicating the likely outcome will be a wetter-than-usual winter with storms sweeping the nation. So how should you prepare for a winter that could bring weather stronger or different than what we are accustomed to?


The Bank Secrecy Act

  • September 21, 2015

Heard of money laundering? The Bank Secrecy Act was enacted to prevent it. Under this rule, all financial institutions in the United States are required by law to assistant the U.S. government in detecting and preventing money laundering.


Feds Choose to Postpone Rate Increase

  • September 18, 2015

The Federal Reserve has announced they will not be raising the federal funds interest rate.


Four Money Saving Challenges

  • September 17, 2015

Are you finding it difficult to save money? Maybe you have your eye on a purchase you would like to make or a goal in mind for what your saving’s account will look like. No matter what the reason is, saving money is a real and very common challenge for almost everyone. Are you ready to take on the money saving challenge?


Correspondent Lending at the New England Mortgage Bankers Conference

  • September 16, 2015

Two experienced mortgage professionals will represent CMG Financial Correspondent Lending at the 28th New England Mortgage Bankers Conference.


A Lesson in Architecture Style

  • September 15, 2015

Styles of homes are vast and eclectic. It can be confusing when reading home listings what descriptions refer to of homes with unique style features. Here you will find a brief overview of some popular architectural styles and what they mean. What’s your favorite?


Building an Emergency Plan

  • September 14, 2015

September is National Preparedness Month. It’s a time to take action and make plans in the event of a natural disaster or emergency. Here are some tips for preparing to the best of your ability.


Shopping for Appliances

  • September 11, 2015

Whether you are moving into a new home or simply redesigning, new appliance shopping comes up at some time as a homeowner. When tackling this big task, where should you begin?


Building Up

  • September 10, 2015

As the sales of homes begin to increase, so does the construction of new homes.


"Hidden" Costs of Homeownership

  • September 09, 2015

You qualify for a loan, get the home of your dreams, and move in. You’ve probably spent a lot of money on a down payment, closing costs, and moving fees. Think you’re off the hook now that you’re settled into your new home? Think again. Make sure you are aware of these “hidden” costs of homeownership before making the leap.


Affordable Housing

  • September 08, 2015

There is a huge gap between the highest and lowest paid citizens in our country. This difference in income obviously plays a major role in affordability when it comes to virtually every purchase. While housing might not pose a problem to some, for others it is an extreme struggle. Thus, low-income housing was established. Let’s dive in.


Happy Labor Day!

  • September 07, 2015

To the countless hard workers that allow our country to continue moving forward:
Happy Labor Day!


Got a Spare Room Now? Here's How to Use It

  • September 04, 2015

Maybe you had a child move away to college or you upgraded your home. Either way, if you have a spare room now, chances are you can’t decide what to do with it. Here are some ideas to get you started.


Top Agent Magazine Highlights CMG's Jenna Gray

  • September 03, 2015

For as long as she can remember, Jenna N. Gray has loved numbers. Even as a child, she had a schoolroom fascination with math. Practical les-sons from a humble upbringing taught Jenna the value of a dollar and reinforced the importance of stability that home ownership pro-vides. Today, as a Sr. Loan Officer with CMG Financial, Jenna utilizes her numerical expertise and sensible outlook on home ownership to help buyers in the East San Francisco Bay Area to realize their dreams.


Credit Cards 101

  • September 02, 2015

The credit card. A piece of magical plastic that allows us to purchase items when we don’t have the cash. The card with the magnetic strip that gives us the power to build (or hurt) our credit scores. And yet somehow this little item seems to cause a lot of uncertainty when it comes to how to best handle them and use them in a way that will help, not harm, you and your credit.


Exploring Rent-to-Own Properties

  • September 01, 2015

Rent-to-own properties, also known as “rental-purchase” properties, is a legal transaction in which a home is leased in exchange for a payment with the option to purchase the property at some point during the specified timeframe.  These types of transactions are also known as purchase options or lease options. Should you consider this?


Create an Eye-Catching Open House Flyer

  • August 31, 2015

A new property is put up for sale. One of the first items a potential homebuyer often comes in contact with is an open house flyer. So what elements of the flyer make it successful? And what should be avoided?


Prepping for Fall

  • August 28, 2015

Fall is more than cooler weather. It’s the perfect time to get your home in tip-top shape for the changing seasons. Follow our guide on the best chores to get your home fall-ready.


Renting Apocalypse

  • August 27, 2015

Perhaps you are one of the thousands currently trying to save up for a home while renting. Does it seem like no matter what you cut back on your savings account refuses to budge? Turns out, you are not losing your mind.


What's Up (or Down) with the Stock Market?

  • August 26, 2015

On Monday, August 24th, the stock markets endured a series of gains and losses that left investors reeling and citizens questioning the stability of the economy. What happened and what does it mean?


FAMP Convention and Trade Show 2015

  • August 25, 2015

If you are in the area or headed to Florida Association of Mortgage Professionals’ (FAMP) Convention and Trade Show 2015, be sure to visit booth #414 and meet with CMG Financial.


Perks of Entering the "Off-Season" Housing Market

  • August 24, 2015

Think you missed your chance now that the hot housing season is winding down? Think again! While traditionally the warmer, summer months prove to be the busiest time for the housing market, things do not stop when school starts up again and the leaves begin to fall. Here are some of the perks for entering the “off-season” housing market.


Moving to College? Follow These Tips

  • August 21, 2015

Moving away to college can be a little intimidating but a lot of fun. Not sure what to pack? Here are some pointers on what is necessary to bring and what can be left at home.


Homeownership to Surge?

  • August 20, 2015

It’s hard to believe but 2015 is wrapping up. The hot housing season is beginning to dwindle as we prepare for colder months, school starting up, and holidays just a couple calendar page flips away.


Should You Go Solar?

  • August 19, 2015

Going solar can save you money in the long run and give the environment the reprieve it needs from society’s excessive use of energy. The technology of “going solar” has greatly advanced in the past few years. Have you considered taking the leap and becoming more energy efficient? Here’s what you need to know.


A Client vs. A Sale

  • August 18, 2015

As much as you might use the words interchangeably, a client and a sale are not the same thing. The main difference: the relationship.


How to Reduce Property Taxes

  • August 17, 2015

Part of being a responsible homeowner is paying your property taxes twice a year (November and February). What can you do to ensure your taxes are as low as possible?


Get Your Home Back-to-School Ready

  • August 14, 2015

School is creeping up fast now. Before the bell rings, get your home back-to-school ready by following these easy steps.


Shop for Home Insurance Like a Pro

  • August 13, 2015

So you have bought your home – now you need to insure it! Do not make the mistake of forgoing this cost. Home insurance is an absolute must in the event something happens to your property. Here are some tips for making sure you get the right coverage at the right price.


Building Business Relationships

  • August 12, 2015

One of the most important aspects of a successful career is building business relationships. These relationships help you in a variety of ways including having professionals to turn to for advice, proactively expanding your skills, and creating a deeper reach into your industry or the community. All of these results of building business relationships have the potential to launch your career and bring you success.


Home Renovations

  • August 11, 2015

Maybe you got the fixer-upper of your dreams. And maybe your home is just in need of some TLC. No matter what the reasoning is, home renovations require time, energy, and money. Here’s how to budget home renovations to keep things on track and running smoothly.


Homes for Those with Disabilities

  • August 10, 2015

People with disabilities or those who struggle to move about freely of their own will deserve the right to a safe and high quality of life. Caring for an elderly person or living with someone with disabilities can be difficult if a home is not designed to support those with unique needs. Here are some features a home should offer to make life easier for those with disabilities.


Shopping for Furniture

  • August 07, 2015

Shopping for furniture can be expensive and time consuming. Especially if you are trying to coordinate bedroom sets, a specific look in your living room, or create an elegant dining area, these projects often start off as something fun and turn into stressful and costly endeavors. Here are some ideas to make this initiative a more enjoyable experience.


Is the CFPB Working?

  • August 06, 2015

Many are questioning the effectiveness of the CFPB (Consumer Financial Protection Bureau) and if it belongs in the housing industry at all.


From Renting to Owning

  • August 05, 2015

Many renters today want to get out of the habit of paying someone else’s mortgage. The perks of home ownership are varied and many causing many potential first time homebuyers to consider making the leap into the housing market. But making that jump is not easy. Here are some tricks to keep you moving towards your goal.


Gain More Traction in the Market

  • August 04, 2015

Gaining traction in an incredibly competitive market can be difficult for both Realtors and mortgage professionals alike. Don’t let struggling to find new business drag you down. Follow these tips on forging ahead in the industry.


Homes Selling at High Prices

  • August 03, 2015

The year 2015 continues to roll along in a positive direction with each month producing year-over-year improved numbers. But with homes on the market still not meeting the inventory demand of buyers, homes are selling at the high prices.


Yard Sale Tips from the Pros

  • July 31, 2015

The summer months are winding down and school is just around the corner. You have probably accumulated some extra items from vacations, day-trips, or parties during the warmer weather. If your home is looking a little cluttered, consider hosting a yard sale to clean up, clear out, and make some extra money. 


Lender's One Summer Conference

  • July 30, 2015

CMG Financial’s Correspondent Lending channel will be participating in the Lenders One Summer Conference. Beginning Sunday, August 2 through Wednesday, August 5, 2015, we will have expert mortgage professionals at the conference being held in Washington, D.C.


Rate of Homeownership Hits New Lows

  • July 29, 2015

It has been announced that the rate of homeownership in the United States dipped to 63.4% in the second quarter of 2015, which is the lowest rate since 1967 (HousingWire).


What Constitutes a "Good Buy?"

  • July 28, 2015

It doesn’t matter if you are a first time homebuyer or buying your twelfth investment property; you probably question if you are involved in a “good buy.” Here are a few topics that could help you determine if you are headed down a stable path.


Exploring the Federal Reserve

  • July 27, 2015

The Federal Reserve makes America tick from a banking aspect, as it is the central banking system of the country. The Federal Reserve is ruled by the Board of Governors, which is made up of members nominated by the President of the United States and then confirmed by the U.S. Senate. These members must collectively maintain a fair representation of the diversity of the country including unique financial, industrial, and commercial interests.


The Best Vegetables for Your Garden

  • July 24, 2015

People start personal gardens for a variety of reasons. Some find it therapeutic to work in their garden after work and on weekends, others enjoy saving money at the grocery store while adding some flavor to their dishes. Not sure where to get started? Here’s a list of easy to grow and maintain vegetables to start growing in your garden today.


How the Housing Market is Faring

  • July 23, 2015

According to HousingWire, home sales increased 11.4% in June compared to the same time last year. So far this year, 2015 has seen an increase in housing activity in both the buyers’ and sellers’ markets. Also worthy of note, foreclosures have decreased and homebuilder confidence is rapidly increasing. So what does this all boil down to?


TRID Official Date Announced

  • July 22, 2015

The CFPB has officially announced that the TILA-RESPA Integrated Disclosure (TRID) rule will change effective Saturday, October 3, 2015.


NMP Magazine: The Importance of Social Media by Ashley Lubey

  • July 21, 2015

The financial industry remains a mystery to many. The intricacies paired with the ebbs and flows of the market mystify those who have a difficult time grasping how numbers, rates, bonds, and the like all rely heavily on one another to make our nation’s economy continue ticking. The common borrower uses references in order to get started on the right foot when beginning their home search. But as we have seen in recent years, borrowers have grown increasingly more wary and hesitant when it comes to jumping into the housing market to begin with. The transparency that is needed to soothe borrowers’ stress and concerns still eludes the housing and mortgage industry. Luckily, consumers as a whole, as well as many other industries, have embraced a phenomenon. It could be that social media is the key to the success of the mortgage and housing industry.


The Outlook of Housing in 2015

  • July 20, 2015

The month of July seems to be creeping to a close faster than ever and with it will go the “hot housing season” of the summer months. The coming months will likely bring cooler weather, the start of school sessions, and before we know it, the holiday season. So where will that leave the housing market?


The Ultimate Game Room

  • July 17, 2015

Game rooms or dens are an often-coveted feature of homeowners. Providing a fun and relaxed environment separate from the other rooms of the home, a game room can offer dwellers a play to kick back, socialize, and partake in some friendly competition. Here’s how to create the ultimate game room in your home today.


The Effects of Same-Sex Marriage on Real Estate

  • July 15, 2015

The Supreme Court of the United States made history on June 26, 2015 by legalizing same-sex marriage in all 50 states. With same-sex marriages now legal and recognized nationwide, the housing market has changed significantly.


What is Underwriting?

  • July 14, 2015

What is underwriting and why is it necessary in obtaining a mortgage loan?


How Smart is a Smart Home?

  • July 13, 2015

The technology is getting closer. We already have appliances we can control with apps. Sound systems integrated into homes flawlessly. Experts have developed a universal remote that can control everything from your TV to the lighting to the temperature. But how smart are our houses actually?


Tricks to Organizing Your Garage Like a Pro

  • July 10, 2015

Do you throw random boxes and tubs of “I’ll go through it later” items into your garage? It seems most garages these days are full of containers and bins of items that often the owner was not even aware they still had. While spring may be gone, do not skip another day to clean up your garage. Here are some helpful tips to organizing your garage now!


The Pros and Cons of Investment Properties

  • July 09, 2015

Many often think of an investment property as quickly flipped home; a home that has been purchased, renovated and upgraded, and then sold at a much higher price that it was purchased for. However, the most common investment property is a rental property. Have you been considering investing your money in this way? Here are the pros and cons to consider before taking the dive.


Network to Your Advantage

  • July 08, 2015

Networking is an incredible tool in today’s world. It can help you land a dream job, give you the inside scoop on a deal you have been holding out for, or expand your connections in your industry for future success. No matter the situation, networking is all around us. Here are some steps to use networking to your advantage.


CMBA Conference Highlights

  • July 07, 2015

CMG Financial’s Correspondent Lending division will be representing the company at the 43rd Annual Western Secondary Market Conference beginning Wednesday, July 8 through Friday July 10, 2015. Our team of mortgage experts will be onsite at the Westin St. Francis Hotel in San Francisco, California meeting with industry professionals and discussing growth in the market.


Exploring Jumbo Loans

  • July 06, 2015

Big homes call for big loans. If you have been approved for a loan exceeding the conforming limit and are in the market for a more expensive home, you will be directed toward jumbo loan options.


Happy Fourth of July

  • July 03, 2015

Freedom is a gift often taken for granted. Today we proudly celebrate our freedom and all that this great country stands for.


Tips for the Best BBQ

  • July 02, 2015

The Fourth of July weekend is here and that means barbecues across America will be fired up and loaded with meats and veggies. Whether you’re cooking for you, your family, or the entire neighborhood, check out these BBQ tips that will be sure to make your meal come out just right. Grab those aprons, tongs, and platters let’s get started!


What is HUD?

  • July 01, 2015

HUD is the acronym used for the United States Department of Housing and Urban Development. Their goal is to provide a suitable living environment for all Americans by developing and improving housing across the country and enforcing fair housing laws.


Climbing Rent

  • June 30, 2015

If you haven’t jumped into the housing market yet, you have probably noticed that over the past few years, rent in many areas has skyrocketed. If you live near a major city or a booming metropolis (yes, we are looking at you Silicon Valley), then chances are you are no stranger to the astronomical prices. But what has caused the prices to climb and when will it stop?


The Age of Offer Letters

  • June 29, 2015

Getting your offer on a home accepted is far from a sure thing these days. So how do you stand out from the others vying for the same property? Lately, including a personal letter with your formal offer can help home sellers pick through the crowd and sell their home to the borrower they feel the home would best suit.


Living in Harmony with Pets

  • June 26, 2015

Living with pets is proven to improve mental and physical health. Pets provide a loyal companion and friend you can always rely on. But before becoming a pet owner, here are some steps to take to ensure you can live in harmony with your new companion.


TRID Update: Yet Another Date Change

  • June 25, 2015

We have another change to the implementation date of TRID (TILA RESPA Integrated Disclosure). It was announced that the new proposed date of implementation has been postponed to October 3, 2015.


The Small Home Surge

  • June 24, 2015

Recently, small homes have been all over the news. People downsizing, going green, or switching to a more minimalistic lifestyle are some of the main reasons small homes (homes generally 400 square feet or fewer) have become all the rage. Should you consider one?


Seven Foolproof Construction Tips

  • June 23, 2015

Is it your dream to have your home built to your exact specifications? Before signing that contract, keep these seven tips in mind to ensure your home building experience goes smoothly.


Credit Score 101

  • June 22, 2015

You probably know that your credit score plays a big role when you are trying to convince a lender to loan you a large amount of money for a purchase such as a car or a home. But do you know how a credit score works? Dig in now!


Plan the Ultimate Block Party

  • June 19, 2015

It’s that time of year again for pool parties, barbecues, and block parties. Avoiding stressing over spending a fortune when gathering your neighbors and friends. Follow these four tips to plan your party on a budget.


TRID Implementation Date Moved Back

  • June 18, 2015

The Consumer Financial Protection Bureau (CFPB) announced on Wednesday, June 17, 2015 that the implementation date of the TILA RESPA Integrated Disclosure (TRID) rule is postponed to October 1, 2015.


APR vs. Interest Rates: What's the Difference?

  • June 17, 2015

APRs and interest rates are often mistaken to mean the same thing when it comes to loans. Here is where they differ.


Build a Realistic Budget

  • June 16, 2015

We all have something we are saving up for; a goal or a dream of something we hope to one day have or achieve. Whether it will require a small or large investment, it will usually require some form of budgeting to obtain the item. While budgeting and saving comes naturally to some, it is harder for others to stay focused and put away money for a rainy day. Here are some steps to follow when trying to build your budget.


What is UDAAP?

  • June 15, 2015

If you have ever been involved in the housing market, you may have heard about UDAAP.


Tips to Keep Cool This Summer

  • June 12, 2015

You can feel it, blowing in warmer and warmer. The summer creeps up on us and, the next thing we know, we are scrambling to find ways to keep cool during the summer heat or even a heat wave. With the official start of summer just a couple of weeks away, here are some tips to keeping cool this summer in fun and unique ways.


Get the Scoop on Closing Costs

  • June 10, 2015

Closing costs are fees paid in order to obtain a mortgage loan. These costs are in addition to the down payment on the home, the principal, and the interest related to the mortgage.


Become a Better Leader Today

  • June 09, 2015

The world is full of leaders today. But how do the successful ones stand out? And how do they continue to grow? Check out our five foolproof tips to becoming a better leader today.


What to Know About Buying a Distressed Property

  • June 08, 2015

Short sale and foreclosure homes, also known as distressed properties, provide a unique buying and selling opportunity in the housing market. While typically priced lower than regularly sold houses on the market, there are some things you, as a buyer, should be sure to keep in mind before putting in your offer.


Home Maintenance 101

  • June 05, 2015

As a homeowner, you are no stranger to necessary maintenance around your home. Learning the most basic home maintenance skills is a must to keep your bills low and manage your property.


TRID Implementation Granted Grace Period

  • June 04, 2015

After multiple companies throughout the industry called for a grace period, the CFPB has announced they will honor a good-faith enforcement of the implementation of TRID.


How to Buy and Sell a Home Simultaneously

  • June 03, 2015

You are in the housing market not only to buy a home but to also sell your current property. Do you buy first? Sell first? How does this work? Let’s look at your options and best ways to tackle this situation.


Four Tips to Keeping Projects Organized

  • June 02, 2015

Sometimes it can feel like you are spinning in circles trying to keep projects moving forward while new initiatives fly at you faster than you can keep up. Are you floundering in a pool or projects? Here are four tips on how to keep organized and headed successfully toward deadlines.


Preparing for Your Open House Adventure

  • June 01, 2015

Housing season is among us. You have probably started noticing the Open House signs lining up on busy street corners the past couple of weekends directing potential homebuyers to properties available for viewing. As you get ready to embark on the adventure of viewing homes you hope to purchase, here are some tips to go in prepared.


Should You Install a Pool?

  • May 29, 2015

As the weather heats up, we naturally start gravitating toward warm weather activities. Now is when many people start considering the idea of installing an inground pool on their property. 


Exploring VA Loans

  • May 28, 2015

In appreciation for the service they provide our country defending our freedom, a VA Loan was created to help veterans secure home financing after or while serving in the armed forces. America’s veterans and active duty service people have the ability to qualify and apply for a special home mortgage loan.


Attracting a New Generation: Millennials

  • May 27, 2015

As the focus shifts, we all turn to watch the millennials and how they affect and engage with the housing market. It is important to understand how different this generation is from previous generations in order to adjust the traditional way of marketing and selling a mortgage loan. The focus should be on learning how to appropriately appeal to this new target audience and implementing practices that keep you in the game.


Making the Most of Webinars

  • May 26, 2015

If you find yourself attending webinars but walking away with little more insight than before, now might be the time to reevaluate. Webinars can be a handy tool to utilize in advancing your career or growing your business. But getting the most out of them can be tricky. Here are some steps to follow to make that webinar work for you.


To Our Servicemen and Servicewomen

  • May 25, 2015

In Honor of Memorial Day


Tips for Conserving Water

  • May 22, 2015

Water conservation is important no matter where you live. California is currently in the middle of a record statewide drought forcing residents to take drastic measures to cut back on water usage. Here are some tips to follow when conserving water throughout the nation.


Paying Off Student Loans

  • May 21, 2015

If you are paying off student debt, you are not alone. Student loans can feel like a debilitating financial situation but if handled properly, you can find yourself debt free and in a better financial position earlier in life. Let’s take a look at some steps you should take when paying off your student loans.


Celebration in the Dugout: Home Buying Success!

  • May 20, 2015

Congratulations! You have made it around the baseball diamond and into your new home. Learning the game can be a challenge; playing it even more so. But you have successfully completed the process and won. As you head to the dugout, your team cheering you on, high-fives and pats on the back congratulating you, a rush of accomplishment and pride washes over you: you are officially a homeowner.


How to Write a Professional Email

  • May 19, 2015

Our days are filled with corresponding with coworkers, vendors, and business partners. The majority of this communication is done over email. Therefore, writing a professional email is important to building and maintaining your reputation. Here are some tips to keep your emails professional.


TRID Update

  • May 18, 2015

On Thursday, May 14th, key figures in the housing and mortgage industries brought a major issue with the rollout of TRID to the House Subcommittee on Housing and Insurance. The purpose was to urge House members to support a good-faith grace period for compliance with the TILA-RESPA Integrated Disclosure requirements that are slated to go into effect on August 1, 2015. The Dodd-Frank Wall Street Reform and Consumer Protection Act transferred the authority for both RESPA and TILA to the CFPB.


Around-the-House Weekend Projects

  • May 15, 2015

Sometimes it can seem like the chores around the house just keep adding up. Your to-do list gets longer by the week. Why not set a day aside this weekend to cross off some of those tasks and get your house back in tip-top shape? Here are some projects to tackle this weekend.


CMG at the MBA National Secondary Market Conference

  • May 14, 2015

CMG Financial Correspondent Lending is excited to attend the MBA National Secondary Market Conference and Expo this Sunday, May 17th through Wednesday, May 20th.


The Game-Winning Run: Tackling Offers and Buying a Home

  • May 13, 2015

You can barely feel your legs as you sprint towards home plate, the last 90 feet in your long journey around the bases and through the housing market towards homeownership. This last haul towards your main goal includes putting an offer on a home. Here are some tips our experts use when helping consumers put an offer on a property fitting their requirements.


How to Effectively Manage Your Time

  • May 12, 2015

It is easy for a well-prioritized day to quickly unravel. Despite your best efforts to get your day in order, a last minute meeting or rush project can leave your schedule a mess. Here are some pointers that can keep you on track no matter what is thrown at you throughout the day.


Michael Rodriguez Named #5 Top Producer by National Mortgage News

  • May 11, 2015

CMG Financial’s newly acquired talent Michael Rodriguez was named the #5 top producer in the nation by National Mortgage News/Origination News.


8 Steps to a Perfect Home Office

  • May 08, 2015

Working from home has some major benefits. Making sure you have a proper workspace set up will only help enhance your productivity and success. Whether your home office needs revamping or you are just creating one, here are eight tips to ensure the space is built for optimal success.


HousingWire All-Star: Providing Excellent Customer Service and Solutions

  • May 07, 2015

CMG Financial’s experience as an independent mortgage bank forged the company’s commitment to providing excellent service and sophisticated solutions for its customers. The company, founded in 1993 as a retail lender, expanded into wholesale lending in 1995 and correspondent lending in 2012.


Headed for Home Plate: Stay Focused on Your Goal

  • May 06, 2015

Only 90 feet left until you are safely crossing home plate and scoring that run! Sometimes this last stretch can look the hardest, seeming to stretch to double the actual length. It can be hard to stay focused when you are so close to the end. Take advantage of a quick seventh-inning stretch to rejuvenate your momentum. Then follow these tips to staying on track during the home stretch.


CMG Financial Receives 2015 Best of Scottsdale Award

  • May 05, 2015

CMG Financial has been selected for the 2015 Best of Scottsdale Award in the Mortgage Brokers category by the Scottsdale Award Program.


Scotsman Guide Featured Top Originator: Rodrigo Ballon

  • May 04, 2015

Rodrigo Ballon’s versatility has put him near the top of multiple lists in our Top Originators 2014 rankings. His $26.9 million in Federal Housing Administration (FHA) loans placed him at No. 9 on the Top FHA Volume list, and his $129.7 million total volume made him No. 31 on the Top Dollar Volume list.



Create an Outdoor Oasis

  • May 01, 2015

As the weather warms up, our eyes turn to the outdoors and spending more time comfortably lounging in nature. No matter your style, here are some ways to spruce up your yard and create your personal outdoor oasis that will be the envy of the neighborhood.


CMG Financial at the TMBA Convention

  • April 30, 2015

This Sunday, May 3 through Tuesday, May 5, CMG Financial will be present at Texas Mortgage Bankers Association’s (TMBA) 99th Annual Convention.


Slide Into Third: 6 Tips for Your Home Search

  • April 29, 2015

Poised at second base, you are in a game-changing position on the field. What you do here can set you up for a win. You are now in the middle of the action, surrounded by opposing players, lights flashing on the big screens, and fans getting loud. But with your previous game-time preparation, you are able to buckle down and focus.


Business Tip: Start Your Morning Off Right

  • April 28, 2015

Mornings can be rough. Getting set up for a successful and productive day can be tricky. Here are some tips for starting your morning off right that will carry through the day.


TRID Webinar Overview

  • April 27, 2015

As the industry prepares to implement and adapt to a new regulation, we dissect TRID and all it involves.


Create a Cozy Living Room in Seven Steps

  • April 24, 2015

Do you need a cozy room in which to curl up and relax? Does your living room need a revamp? Here are some trending ideas on how to create a cozy living room.


Home Buying Mistakes to Avoid

  • April 23, 2015

The process of buying a home presents a long list of obstacles a buyer must navigate to come out on top. Here are some common mistakes homebuyers make that you should avoid.


Stealing Second Base: Staying Alert in the Game

  • April 22, 2015

You are safe at first base, just 270 feet away from reaching home plate. The pitcher is focused on the next batter as you take a lead off the bag, poised to steal second base as he begins his windup. Knowing when to make a break for second base is key in your ability to successfully advance around the bases.


Conference Follow Up

  • April 21, 2015

Last week, we discussed how to prepare for work conferences in order to get the most out of them. While the preparation beforehand is important, so is the follow up. Here are five steps to take to make your conference work for you even after the closing speaker is finished.


6 Things to Keep in Mind When Buying an Older Home

  • April 20, 2015

Older homes are often coveted for their vintage looks, neighborhood appeal, and handcrafted beauty. Houses today just are not built with the same level of care as they used to be. Older homes were built to last. But be careful before you buy one! Here are six things to consider being taking the plunge with an older home.


Kitchen Upgrades

  • April 17, 2015

A kitchen is usually the most coveted room of a home. For many buyers, this is the main room that holds the deciding factor on if they will choose to put an offer on a home or not. What are some of the features that universally draw people in and increase the value of the home?


How to Buy a Home in Another State

  • April 16, 2015

People decide to move out of state for a variety of reasons. Whether it is for work, a new job opportunity, school, a change of scenery, or retirement, there are some basic steps that need to be taken when buying a home in another state.


Swing Batter, Batter: Buying Preparation

  • April 15, 2015

You are eyeballing the pitcher, reading the body language, and anticipating the pitch about to be thrown. Will it be a curveball, a slider, or a fastball right down the middle? Now is the time to decide how to handle the ball quickly approaching the plate.


Prepping for a Conference

  • April 14, 2015

Whether you are a frequent traveller or heading out to your first business conference, there are some steps that should be taken each time to ensure you are properly prepared for a conference in order to get the most out of it.



  • April 13, 2015

Millions of homeowners are still eligible for and would greatly benefit from refinancing their current home mortgage loans.


Best Home Safety Features

  • April 10, 2015

Whether you are moving or simply reevaluating your home’s current features, safety is always a major issue that should be considered. Which of the following will you use?


Acquisition Debt

  • April 09, 2015

As tax season comes to a close, we focus on those benefits the IRS allows you so that you can maximize your deductions and reduce your total personal tax liability.   


In the Batter's Box: Entering the Housing Market

  • April 08, 2015

Time to step into the batter’s box, take your stance, and get ready for that pitch. Are you ready?


Your Guide to a Digital Spring Cleaning

  • April 07, 2015

Your house might smell fresh and clean with not a dust particle in sight. But how does your digital clutter stack up? When was the last time you did an electronic cleaning? Here is a guide to get you started and cleaned up digitally.


What is "Locking A Rate"?

  • April 06, 2015

A rate lock, also known as a lock-in agreement, is a guarantee from your lender that you will receive a specific interest rate, at a certain price, for an approved period of time. This is typically formalized with a written signed agreement between you and the lender.


Six Tips for Staging Your Home

  • April 03, 2015

Whether you hire a professional or use the following tips, staging your home for a potential buyer can greatly improve your chances of a quick sale.


Congratulations to CMG Financial's Top Originators

  • April 02, 2015

CMG Financial is proud to congratulate our five Scotsman Guide’s Top Originators for 2014.


CMG's Spring Purchase Training

  • April 01, 2015

Play ball! It’s that time of year again when fans crowd into the stands, announcers are calling out names, and contenders sprint to the field ready to compete. So grab your gear and get ready for game time!


Engaging in a Timely Manner on Social Media

  • March 31, 2015

We have talked about posting relevant content and using social media properly. Now there’s one other main factor that goes along with this that needs to be considered: timely responses.


What to Do with Your Tax Refund

  • March 30, 2015

We are less than a month away from the deadline for filing your taxes. Got a tax refund coming your way? Here are some smart ways to put that money to good use.


Tips for Remodeling Your Bathroom

  • March 27, 2015

Whether you’re about to list your home for sale or just sick of looking at a dingy or outdated bathroom, here are some tips for sprucing up and remodeling your bathroom.


Examining the FDIC

  • March 26, 2015

The FDIC logo is plastered in banks nationwide. We hear of banks and thrift institutions being “FDIC insured.” But what does it mean and why should we care?


Housing Season

  • March 25, 2015

Have you noticed the chatter around entering “housing season” lately? What exactly is housing season?


How to Pick Content

  • March 24, 2015

Have you ever sat down to spruce up your social media profiles and then realized “I have no idea what I should post to be most effective”? You are not alone. Picking content is not something that should be taken lightly as this is how you are engaging with your audience and establishing your professionalism and knowledge. Make sure you are building the appropriate reputation by following our basic tips.


Finding the Right CPA

  • March 23, 2015

Buying a home requires a lot of planning to ensure you are financially stable in the future as well as anticipating its effects on your taxes. Visiting a certified public accountant (CPA) will allow you to receive expert advice in establishing your future financial success. With tax season upon us and the filing deadline just around the corner, let's explore CPAs further.


Home Improvements to Make Before You Sell

  • March 20, 2015

It’s that time of year again: homeowners begin listing their homes for sale and homebuyers are on the search for their dream property. As a homeowner, you look to get the maximum dollar when you sell your home and many factors come into play when settling on an appropriate price. Consider making the following home improvements before you sell.


Home Sales to Flourish in 2015

  • March 19, 2015

March marks the official beginning of the homebuying season. And according to Freddie Mac, 2015 could be the best year for home sales since 2007.


TILA RESPA Integrated Disclosure (TRID)

  • March 18, 2015

Beginning August 1, 2015, the TILA RESPA Integrated Disclosure (“TRID”) rule will be in full effect. This change has been issued by the CFPB and involves the combination of TILA and RESPA rules.


Having Fun with Holiday Social Media Posts

  • March 17, 2015

Happy Saint Patrick’s Day! Have you addressed this “holiday” on your business social media profiles yet? Should you? Let’s go inside the strategy of mentioning holidays on your social media accounts.


Picking the Right Neighborhood

  • March 16, 2015

Neighborhoods come in a variety of shapes and sizes, all appealing for different reasons. Before putting an offer on a home, or even beginning your search, narrow down what you want from the neighborhood that is just right for you.


Spring Cleaning Tips

  • March 13, 2015

Don’t let spring-cleaning stress you out. While the thought of opening that closet door at the end of the hall may seem daunting, we’re here to help you through the process and make it as easy, and hopefully dust-free, as possible.


Fast Track to Selling Your Home

  • March 12, 2015

Home buying season is just about here. And that means home selling season is here, too. If you’re ready to sell yours on the fast track, we’re ready to help you do it. Here are a few tips to make it happen, every step of the way:


Fast Track to Buying Your Next Home

  • March 11, 2015

When you’re ready to buy a home, even if you’ve been through the experience before, there’s a lot you need to know. You’ll want a team of experts to rely on to help guide you through the process as smoothly as possible so you can turn that “dream” of owning the home you really want into something even more special. Reality. Follow these steps to help you get there.


Building Your Reputation on Social Media

  • March 10, 2015

It’s easy to destroy your reputation on social media with inappropriate posts and pictures, vulgar language, and unprofessional conversations. Tearing down your reputation can be achieved in an instant. But building up a positive reputation takes time and dedication.


Bull vs. Bear Market

  • March 09, 2015

We often hear the market referred to as either bull or bear markets. What do these descriptions mean and how can we use them to interpret the way of the economy?


Make Your Home Green on a Budget

  • March 06, 2015

Being environmentally friendly is a major topic in today’s world. The common misconception of being green is that it will cost more when actually in the long run, you could save bundles! Thinking of going green? Follow these tips for a budget-friendly makeover that is safe for the environment.


How to Buy and Sell in Any Market

  • March 05, 2015

You’ve no doubt heard of “buyer’s markets” and “seller’s markets.” What’s the difference between the two, and more importantly, how do you successfully buy or sell a home in either one?


Negotiate the Best Price for Your New Home

  • March 04, 2015

Are you ready to make a deal? Here are a few tips to help the home seller say “yes” to the lowest price possible.


Legal Ramifications of Social Media

  • March 03, 2015

Social media compliance is no joke these days. The mortgage industry has implemented many rules and regulations regarding the use of social media profiles to maintain a safe and accurate way of marketing to the public.


CMG Correspondent Lending to Attend Lenders One Conference

  • February 27, 2015

CMG Financial’s Correspondent Lending channel will be participating in the Lenders One Winter Conference. 


Get Ready for Your Open House

  • February 26, 2015

It’s time to sell your home! That means it’s time to show it off to potential buyers. Here are a few keys to making your Open House a success.


The Importance of a Home Inspection

  • February 25, 2015

You’ve found the home you want to buy and it looks like it’s in great shape. But, how can you know for sure that there are not problems that are hidden out of sight and won’t surface until you move in? That’s the value of a home inspection, uncovering any potential problems before you make an offer.


Reexamine Your Professional Connections

  • February 24, 2015

What better way to establish yourself as a true professional than by surrounding yourself with recognized or trusted professionals in your field? One of the key elements to social media is growing and maintaining a valuable list of connections.


Home Mortgage Disclosure Act (HMDA)

  • February 23, 2015

Congress enacted the Home Mortgage Disclosure Act (HMDA) in 1975. On July 21, 2011, the rule-writing authority was transferred to the Consumer Financial Protection Bureau (CFPB). This regulation provides the public access to loan data that helps ensure equality of housing and financial assistance.


John Hummel's Article on "15 For 15" Recognition

  • February 20, 2015

In the coming year, the focus will be on purchase money. The refi market continues to erode, even as rates have softened the past few months, and al- though new home starts are gaining momentum, there is a sheer lack of inventory across the country.


Choosing the Right Real Estate Agent for You

  • February 19, 2015

Thanks to all the online resources available today, home sellers and buyers have more information than ever before. So is it still a good idea to hire a real estate agent to represent your interests? In a word, yes. As they say, “all real estate is local.”


Sell Your Home Faster

  • February 18, 2015

Spring is almost here, and with it the traditional start of the home buying (and selling) season. If you’re thinking about putting your home on the market, here are some tips on how to sell it faster at the right price.


Spring Clean Your Social Media Profiles

  • February 17, 2015

Spring is just around the corner. Before you take on cleaning your entire house, consider starting smaller and cleaning up your social media profiles. Over time, we accumulate quite a bit on our profiles and it can end up looking a bit messy. Take these steps to shake off the dust and establish the squeaky clean image your profile (and you) deserves.


In Honor of Presidents' Day

  • February 16, 2015

“As we express our gratitude, we must never forget that the highest appreciation is not to utter words, but to live by them.” ~ John F. Kennedy


The FAMP 2015 Annual Trade Show

  • February 13, 2015

CMG Financial will be at the Florida Association of Mortgage Brokers (FAMP) Broward's 2015 Annual Trade Show!


What is Mortgage Insurance?

  • February 12, 2015

When you apply for a mortgage, your lender may require you to pay “mortgage insurance.” What is it, how does it work, and why do you need to pay it?


Truth in Lending Statement

  • February 11, 2015

Your mortgage lender is required by federal law to give you a Truth in Lending Statement (TIL) before you’re legally bound to begin making mortgage payments. Often, you’ll receive this statement as part of the other documents you’ll review and sign at loan closing.


Building a Professional Twitter Profile

  • February 10, 2015

Twitter can be one of the trickier social media platforms to use in a professional manner. Based on a fast-paced, constant flow of information and updates, Twitter is focused on starting conversations and spreading news at a second’s notice.


Safety in the Field

  • February 09, 2015

As the housing season ramps up, let us take a minute to reevaluate our safety procedures in the field. It has been a hot topic lately and one that should not be overlooked. Here are some basic tips to help ensure your safety while on the job and working with clients.


A Good Faith Estimate

  • February 06, 2015

When you apply for a mortgage, your lender is required to give you a “Good Faith Estimate” or “GFE” within three days. What is a Good Faith Estimate and why is it important?


What Is a "Settlement Statement?"

  • February 05, 2015

When you close on your loan, you’ll review a government-mandated document called the HUD-1 Settlement Statement. You’ll want to pay close attention to the HUD-1, because it itemizes all of the costs to obtain your mortgage. 


New Rules for Nonbank Mortgage Firms

  • February 04, 2015

A new regulation has been proposed for nonbank mortgage firms that sell and service mortgages backed by government-controlled agencies. The new minimum financial requirement will help reduce the risk for Freddie Mac, Fannie Mae, and Ginnie Mae, also known as GSEs or “government-sponsored enterprises.”


Building a Professional Facebook Profile

  • February 03, 2015

Facebook is the most used social media platform in the world. So it only makes sense, as a business professional, for you to have a presence where the majority of the population connect, find information, and begin conversations. But Facebook was not initially designed to connect professionals or promote business like LinkedIn. It has evolved over time to meet the demand of this need in society. So what are the steps you should take to make sure your profile is viewed as a professional and a trusted resource for consumers?


What Is a HELOC?

  • February 02, 2015

The acronym HELOC stands for “Home Equity Line of Credit.” What this means is a line of credit is extended to the homeowner that uses the borrower’s home as collateral. Ready to dig a little deeper?


Satisfaction in the Office: Keeping Employees Happy

  • January 30, 2015

The grass is always greener on the other side. Or so the saying goes. When the economy crashed, people did what they needed to survive the Great Recession. People took any job available to avoid being unemployed and continue paying bills as the economy took a dive. But times are changing and improving. So rather than taking the first job offered, professionals are once again able to be picky when making their employment decisions and joining a company. Job hunters have more freedom to research and make an educated decision about accepting a job with a company that provides an enticing work environment best suited to fit their needs. This article explores four main qualities that draw an employee to an organization and foster a positive work environment for happy employees: benefits, compensation, a respectful atmosphere, and a motivating culture.


The Keys to Mortgage Origination Fees

  • January 29, 2015

You’ve applied for your mortgage, obtained your Good Faith Estimate and noticed something called a “mortgage origination fee.” If you have questions about what that is, why lenders charge it and what your options are, read on.


Should You Pay the Points or Choose a Higher Interest Rate?

  • January 28, 2015

It’s decision time: should you pay higher points or choose a higher interest rate on your new mortgage? The answer is, “it depends.” Let’s take a deeper look by answering some of the most common questions:


Responding to Negative Comments on Social Media

  • January 27, 2015

It happens. People respond in a negative way to something we’ve posted on our social media profile. So what’s the best, most professional way to handle such a situation? Let’s find out.


FHA Lower Premiums In Effect Today

  • January 26, 2015

Earlier this month, President Obama announced his intention to lower annual mortgage insurance premiums on FHA loans by 50 basis points, or .5%. Today, this lower mortgage insurance premium on FHA loans goes into effect.


Why Does Mortgage News Conflict?

  • January 23, 2015

Ever find yourself browsing the news and come across conflicting articles, especially as it pertains to the mortgage and housing markets? You’re not alone. In one day, many people can find two articles, side by side, that have directly conflicting information. Why is this and what are you supposed to believe?


Mortgage "Tricks of the Trade"

  • January 22, 2015

For most people, the mortgage industry is complex and often confusing. A mortgage is often the biggest financial move most people will make, so it’s important to understand how mortgages work. Let’s take a look behind the curtain at some of the major factors that influence the mortgage industry, and more importantly, your own mortgage.


Where Can I Find Money for My Down Payment?

  • January 21, 2015

It’s one of the biggest barriers to owning a home: having enough money for the down payment. Typically, a mortgage lender will require a minimum of 20% of the purchase price (unless you qualify for special financing such as an FHA Mortgage, which requires just 3% down).
You’ll be glad to know that there are several sources you can potentially tap in to for your down payment, besides your own wallet. 


DO Versus DO NOT Social Media Tips

  • January 20, 2015

We often find ourselves thinking we are doing an incredible job on social media and engaging with everything possible. But social media has its own set of rules and etiquette that should be followed. Take a look at this list of DO versus DO NOT on social media before you log on today. You may be surprised at how you can up your game (or get rid of a habit dragging you down!).


Seasoning Your Money

  • January 19, 2015

Many consumers are confused as to what the terms “sourced” and “seasoned” mean in relation to mortgages and their importance in the mortgage loan process. Here we delve into both and the best ways to achieve them.


Before You Make An Offer...

  • January 16, 2015

You’ve found the perfect home. Now it’s time to make your opening bid. What steps should you take before you take the plunge? Here are two time-tested recommendations:


The Keys to Shopping for a New Home

  • January 15, 2015

Spring is just a few short months away and with it comes the busiest home shopping season of the year. If you’ll be thinking about making a move, here are a few keys to help you shop for just the right home with confidence.


FHA Premiums Cut - What Does This Mean?

  • January 14, 2015

President Obama announced last Thursday morning, January 8, 2015, his intention to boost the housing marketing by requiring the Federal Housing Administration (FHA) to reduce their annual premiums by 50 basis points, from 1.35% to 0.85%.


Proper Ways to Engage on Social Media

  • January 13, 2015

We recently dissected the difference between social media platforms and which is most beneficial for you to join depending on what you are hoping to get out of it. Now that you’ve signed up and are rearing to go, let’s explore the proper ways to engage on social media.


Exploring RESPA

  • January 12, 2015

We hear the acronym RESPA referenced frequently throughout the mortgage loan process. But what does it mean and why is it important?


8 Steps to Make Moving Easier

  • January 09, 2015

Congratulations! You’ve just purchased your new home and are getting ready to move in. Before you do, take these eight steps to help ensure everything goes as smoothly as possible.


Taking Care of Your Mortgage

  • January 08, 2015

Getting the right mortgage for you is a major milestone in your financial success. Well done! Now it’s time to manage your new financial obligation wisely. Here are a few pointers that will help you do just that.


Tax Preparation

  • January 07, 2015

Tax season is upon us but don’t let it overwhelm you. Once you have a clear understanding of all the information and forms you need to gather to complete the process, you’ll be done in a snap!


The Difference Between Social Media Platforms

  • January 06, 2015

Does it seem like there is an excessive amount of social media profiles you can create and platforms you can be active on? Not sure which is best suited for your needs? Let’s explore four of the most popular social media platforms and the main reasons for using them.


Why Should Your Loan Officer Be Licensed?

  • January 05, 2015

In a word, confidence. The real estate and mortgage industries are complex, can be confusing and are evolving all the time. As properties change ownership again and again, each transaction generally requires some type of mortgage financing. And all of it is governed by a complex set of rules, regulations and laws that vary state by state. How can the average homebuyer navigate through it all?


The Difference Between Purchase and Refinance Mortgages

  • January 02, 2015

Purchase mortgages and refinances are both home loans, so what’s the difference? And more importantly, why do you need to know? To find out, let’s take a closer look at each.


Happy New Year!

  • January 01, 2015

We wish you a happy, healthy, and prosperous new year! May 2015 bring you a year filled with memorable moments, laughter, and achievements.


Signs of Mortgage Fraud

  • December 31, 2014

Did you know that financial crimes are one of the fastest growing areas of illegal activity in America today? And that among them, mortgage fraud is at the top of the list? So what is mortgage fraud and what are some common “red flags” that indicate fraudulent activity?


The Importance of Social Media

  • December 30, 2014

Think social media is a fad? Having a hard time jumping on the bandwagon and joining the seemingly endless onslaught of social media platforms? Let’s take a closer look at how social media can actually bring credibility to your business and serve as an important and valuable tool.


The Pros and Cons of an Escrow Account

  • December 29, 2014

What is an escrow account and should you have one for your new mortgage? Sometimes called an “impound account,” an escrow account is a trust account held by your mortgage lender to collect and pay your homeowner’s insurance and property taxes.


Preparing for 2015 in the Housing Market

  • December 26, 2014

The year 2015 is shaping up to be one full of surprises and monumental advances in the mortgage industry. As the holidays approach and the housing market peters off with the introduction of cold weather and hectic schedules, we are able to take a step back and consider what is to come in the market and how best to prepare. Looking back on 2014, we saw mortgage rates fluctuate drastically, the housing market make some impressive strides towards improvement, and rules and regulations subjected to multiple adjustments. So what is the best way to approach business in 2015 to ensure your company excels? Let’s explore the two main qualities that will be essential to adopt in order to survive a unique year in the housing market: flexibility and adaptability.


Happy Holidays from CMG Financial

  • December 25, 2014

Happy Holidays from CMG Financial!


CMG Financial Named One of 15 Companies to Watch in 2015

  • December 24, 2014

2014 proved to be a unique year in the housing industry. The market threw a slew of challenges at companies but despite these obstacles, many companies succeeded and grew. 


Build An Eye-Catching LinkedIn Profile

  • December 23, 2014

LinkedIn is a powerful tool in the business world. This social media platform has changed the way recruiting is done, resumes are distributed, and professionals market themselves. As a true businessperson, it should not be overlooked. However, don’t think throwing up a few professional accomplishments and keywords will help you. Building a robust LinkedIn profile will boost your reputation and visibility whereas a lackluster profile can actually hurt how people view you. Follow these helpful tips on how to make sure you are using the platform correctly and to its highest capabilities.


Jenna Gray Awarded "40 Under 40" Recognition by NMP Magazine

  • December 22, 2014

Jenna Gray, Mortgage Consultant at CMG Financial, has been awarded the “40 Under 40” recognition by NMP Magazine. Forty recipients under the age of forty were chosen based on their impact in the industry through innovation, association participation, community activism, management techniques, or other significant methods that have influenced the industry. Winners demonstrate qualities of professionalism, knowledge, and passion in their work.


Mortgage Closing Process

  • December 19, 2014

The big day is almost here, when you close on your new home. Congratulations! Before you sit down at the closing table, here are a few things you should do first to make sure the process goes as smoothly as possible. 


The Difference Between A Wet and Dry Funding State

  • December 18, 2014

Have you ever heard of one state being called a “wet funding” state and another dry? What does that mean? (It has nothing to do with the weather, by the way).


Happy Hanukkah from CMG Financial

  • December 17, 2014

Happy Hanukkah!


Email Etiquette

  • December 16, 2014

It’s been a hot topic lately: email etiquette. From accounts being hacked to company emails being leaked, this latest Sony Pictures Entertainment scandal serves as a reminder to always act professionally. Keep these following tips in mind when you sit down to compose your next email.


Saving for A Down Payment

  • December 15, 2014

You’re ready to buy a home (maybe your first?). But you’re concerned about having enough money saved for down payment. How much do you really need? Let’s take a closer look, starting with what a down payment is and why it’s important.


Wholesale Lending Lives By A Code

  • December 12, 2014

CMG Financial Wholesale Lending is completely dedicated to living by the code. When a group of mortgage professionals follow a CODE that is set in stone, extraordinary things happen. At CMG Financial, we take service level agreements to the next level. We are committed to your success with a work ethic that reflects a one of a kind company culture.


Exploring HOA

  • December 11, 2014

A Homeowner’s Association, otherwise known as HOA, manages a community or subdivision of townhouses and condos. Here are some things to consider when buying a property in the jurisdiction of an HOA.


Buying Your First Home

  • December 10, 2014

Buying your first home is one of biggest financial moves most people will ever make. What steps can you take to make the process go as smoothly as possible?


Increase Your Following and Likes on Social Media

  • December 09, 2014

The more eyeballs you can get looking at your social media profiles and posts, the greater influence you can have and stronger reputation you can build. Growing your audience and followers can be simple if you know the proper steps to take. These five steps will get you started on a robust social media presence.


Home Ownership and the American Dream

  • December 08, 2014

The “American dream” is an oft-referred-to goal American citizens fight to achieve. People have come to this country with the sole intention of grabbing part of the American dream for themselves in the hopes of leading a comfortable life. What do you think of when you hear the phrase the “American dream”?



  • December 05, 2014

The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector. The CFPB oversees all aspects of the financial industry, which offer services to consumers. The creation of the CFPB was authorized by the Dodd-Frank Wall Street Reform and Consumer Protection Act in 2010 and became a functioning entity in July of 2011. It was established to monitor all businesses that provide financial services to consumers to ensure consumers are receiving proper information alongside fair and legal business practices.


What Happens If My Mortgage Is Sold?

  • December 04, 2014

If you’ve just learned that your mortgage has been sold, relax. There is nothing that you need to do. Selling mortgage loans is common in the mortgage industry, and the terms and conditions of your original loan are protected by law. They can’t be changed, including your interest rate and repayment period. Also, your credit rating will not be affected by the sale.


The Mortgage Process

  • December 03, 2014

You’re ready to shop for a new home. In fact, you may have already found it! The next step is to get the mortgage process started. Here’s an overview of how a typical mortgage process works.


Holiday Etiquette on Social Media

  • December 02, 2014

As we officially enter the holiday season, we notice that marketing and advertising throw themselves wholeheartedly into the holiday spirit, as does social media. Cover photos are updated, cleverly worded posts are scheduled, and deals are promoted to followers. What can you do this year to partake in the fun while maintaining your professional reputation? Check out these four tips on being holiday-savvy as well as professional this year on social media.


Pre-Qualification vs. Pre-Approval

  • December 01, 2014

Wondering how to get started on financing the home of your dreams? Obtaining approval beforehand is incredibly important. Most sellers will not consider a buyer to be a serious contender for their home unless they have already begun the process of being pre-qualified or pre-approved. Consider one of the following options to get started on the homebuying process.


A Closer Look at Mini-Correspondent Lending

  • November 28, 2014

You may have heard of a newer type of mortgage lender called a “mini-correspondent.” What is a mini-correspondent and what makes it different than other types of mortgage lenders?


Happy Thanksgiving from CMG Financial

  • November 27, 2014

Happy Thanksgiving!


How to Choose a Mortgage Lender

  • November 26, 2014

Whether you’ve been shopping for a new home for months or just getting started, at some point you’ll have to start the mortgage process. And that means finding the right mortgage lender. You have a lot of choices, and you shouldn’t base yours on the lowest interest rate alone. So here is a step-by-step guide to help make the selection of your mortgage lender as smooth as possible.


Build Meaningful Relationships on Social Media

  • November 25, 2014

Do you have a Facebook or LinkedIn account but are not sure you’re getting the most out of it? Build lasting and meaningful relationships through social media with these helpful tips.


Developing a Web Presence

  • November 24, 2014

Recommendations from family and friends go a long way when it comes to making decisions about virtually anything. Whether it be buying a home, which school to attend, or what to have for dinner, many of our decisions are heavily influenced by those around us whose opinion we value and respect. But what is the next step taken in the decision-making process? We gather more information. Most people turn to the Internet and browse the website of the product or company in consideration. Is your website up to the task of being the persuading factor in that final decision?


An Extraordinary Third Quarter at CMG Financial

  • November 21, 2014

Q3 Full of Expansion and Accomplishments 
CMG Financial experienced companywide growth for quarter three in 2014.


7 Steps to Prepare for the Home Buying Process

  • November 20, 2014

When it comes to applying for a mortgage, times have changed since the financial crisis of 2008. Today, the mortgage application process may take longer, and depending on your financial situation, there may be more requirements for you to fulfill. Here are seven steps you can take now to better prepare for applying for a mortgage and home ownership.


What is Correspondent Lending?

  • November 19, 2014

“Correspondent lending” is the origination and sale of mortgages on the “mortgage secondary market,” where mortgage originators and mortgage investors get together to do business.


Social Media Dos and Don'ts

  • November 18, 2014

Ever find that social media is just too overwhelming? Do the people using these mediums to communicate seem to speak their own language? Don’t let doubt or confusion prevent you from joining in on the conversations going on in your community. Follow this quick guide on what to do and not do when using social media profiles.


Thinking of Making the Switch to Mini-Corr? Here's What You Need to Know

  • November 17, 2014

As loan aggregators continue to face heaps of regulations, more and more are considering pursuing the mini-correspondent channel. For some, it's a way to expand their businesses, while for others it's a way to bypass compensation rules. For those looking to simply catch a break, beware, you won't find it here.


Tips for Surviving the Holiday Season

  • November 17, 2014

The holidays are known for sending people running for the woods from stress, exhaustion, and the whirlwind of a hectic time of year. Avoid feeling drained by following these steps to an enjoyable and magical season.


When Is the Best Time to Refinance a Mortgage?

  • November 14, 2014

The best answer to “When should I refinance?” is: that depends. People refinance their mortgages for a lot of different reasons. Here are several of the most common.


Should I Downsize My Home?

  • November 13, 2014

When we think about buying a new home, we traditionally think about “buying up” — in other words, a larger and/or more expensive home. For example, a young couple just starting out in life may buy a starter home. But once they start having children that starter home becomes too small, and it’s time for a larger home with more bedrooms and bathrooms.


The CMG Foundation

  • November 12, 2014

Christopher M. George, founder, President and CEO of CMG Financial, has always made it a priority in his life to give back to those in need. Thus began Chris’ desire to establish the CMG Foundation, a philanthropic endeavor to support non-profit organizations at both the community and national levels.


In Honor of Veterans Day

  • November 11, 2014

CMG Financial proudly honors America's veterans.


Social Media Photography

  • November 10, 2014

Become a hotshot photographer using just your cell phone! Following these easy steps, you will be able to take quality images and improve your social media posts by including pictures. 


Saving for a Down Payment

  • November 07, 2014

You have you eye on your dream home, but there’s something big standing in your way: the down payment. If you don’t have enough money saved now, how can you accumulate it? Here are a few ideas that may help.


What to Look for When Getting a Mortgage

  • November 06, 2014

Here are several tips that will make your mortgage experience go more smoothly:


A Lull in the Market: Is One Generation to Blame?

  • November 05, 2014

According to the U.S. Census Bureau News report on October 28, 2014, residential homeownership has fallen to a 19-year low within the past year. Many industry experts initially believed this was due to student loan debt combined with a limited corporate job pool for recent Millennial* grads. However, there may be another generational group turning away from the prospects of homeownership even faster than Millennials.


The Perfect Professional Headshot

  • November 04, 2014

Before saying “Cheese!” and snapping that headshot, keep these tips in mind to get it perfect the first time, conveying yourself as a true professional.


6 Winter Home Tips

  • November 03, 2014

Take these precautionary steps to ensure the winter weather does not leave you with an unexpected surprise.


Halloween Safety Tips

  • October 31, 2014

Happy Halloween! Before you take out your ghosts and goblins this evening for a fun round of Trick-or-Treating, or head out the door to partake in the traditional activity yourself, heed these tips for a safe and memorable evening.


How Do I Improve My Credit Score?

  • October 30, 2014

What is a credit score, why does it matter and how can you improve yours? Let’s take a closer look.


What Are the Benefits of Home Ownership?

  • October 29, 2014

Few things can be more satisfying than the feeling you get when you own your own home. But home ownership has substantial financial benefits as well. 


Social Media Safety

  • October 28, 2014

Your password is your first line of defense. In an effort to help you stay safe online, we have put together these basic guidelines to take into consideration when selecting a password for your social media accounts. 


What is Wholesale Lending?

  • October 27, 2014

What is wholesale lending and how does it differentiate from other types of mortgage lending? Let’s sort through the confusion and explore wholesale lending today.


Emergency Preparation

  • October 24, 2014

It’s never too soon to prepare for an emergency. Knowing the potential dangers and natural disasters prevalent or possible in your area will allow you to prepare to the best of your ability. Whether it be an earthquake, tornado, flood, hurricane, drought or winter storms, be sure you have the proper equipment ready to go should these disasters hit near home. 


What Is the Housing Market Forecast for 2015?

  • October 23, 2014

Will home prices rise or fall in the coming year? Before we peer into the future, let’s first take a look at the recent past. Following the financial crisis that began in 2008, home prices hit rock bottom in January of 2011. But they have been rising ever since and are now in their fourth consecutive year of recovery. In fact, home prices have increased a total of 39% since bottoming out in early 2011. As of July 2014, prices were up 9% since the same time last year, and there were 10% more homes on the market.


What Are the Different Types of Home Loans?

  • October 22, 2014

There are many different types of mortgages, each designed to meet a specific financing need based on the home buyer’s goals and financial situation. What are the differences—and how do you know which mortgage is right for you? At CMG Financial, we’re committed to helping you make the right choice. So when you’re ready to buy, we’ll be ready to help.


CMG Financial Launches Extraordinary New Website

  • October 21, 2014

Today, CMG Financial proudly launched its new, extraordinary website. With enhanced features, information, and useful resources, CMG is able to provide its clients with the tools and knowledge they need to make an educated decision when it comes to their homebuying and mortgage needs.


LinkedIn Best Practices

  • October 20, 2014

LinkedIn is the world’s largest online professional network with more than 313 million members in over 200 countries and territories. Maintaining a professional and transparent appearance is essential to uphold your values and credibility as a professional.


Correspondent Lending at the MBA Annual Convention & Expo 2014

  • October 17, 2014

CMG Financial Correspondent Lending is looking forward to attending the MBA’s Annual Convention & Expo 2014 at the Mandalay Bay in Las Vegas, Nevada. Beginning this Sunday, October 19 and lasting through Wednesday, October 22, the event brings together thousands of mortgage professionals nationwide to address the industry’s most pressing issues. Best business practices, industry trends, and social networking will all be discussed amongst industry peers as well.


Wholesale Lending Receives Three 5-Star Lending Ratings from Mortgage Professional America Magazine

  • October 16, 2014

CMG Financial Wholesale Lending has been honored with the industry’s highest marks for quality with three 5-Star Lender ratings.



When is the Best Time to Buy?

  • October 14, 2014

So you’re ready to buy a home, but aren’t sure if now is the best time to buy. There are three major factors that can affect your decision: time of year, mortgage interest rates and affordability.


What's the Difference Between a Mortgage Banker and a Mortgage Broker?

  • October 10, 2014

Both a mortgage banker and a mortgage broker can help you buy a home. So what’s the difference between the two—and more importantly—which one might be better for you?



A Closer Look at Today’s HousingWire Article

  • October 08, 2014

It is no secret that student debt is keeping recent college grads out of the housing market. We discussed the causes and obstacles preventing millennials from becoming homeowners in our September 10, 2014 blog post “Homeownership for Millennials.” 


Why Were Mortgages Invented?

  • October 06, 2014

Mortgages have been around as long as houses, right? After all, who could possibly pay cash for something as expensive as a home? Get ready for a surprise: mortgages in America have been available only since the late 19th century. Before then, people who needed a loan to buy a home could rarely get the money from banks, because you had to have a substantial amount of cash up front. If you had that much cash already, who needed a loan in the first place?


CMG Financial’s Five Star Mortgage Professionals

  • October 03, 2014

Five Star Professional researches and awards local wealth managers, real estate agents, mortgage professionals, home/auto insurance professionals and dentists. The award recognizes those in each category who provide quality services to their clients. CMG Financial is proud to have nine exceptional Mortgage Consultants honored with this prestigious award.


Become a Resource for Your Clients

  • October 01, 2014

Professionals in the mortgage industry are constantly swimming through a slew of setbacks relating to loan products, interest rates, and the ins and outs of murky regulations. Mortgages can be confusing for consumers, and in an economy that seems determined to prevent a quick rebound from the housing crisis, bankers and brokers must explore new avenues to increase — or, at the very least, maintain — their business and production levels. In this respect, turning to marketing and testing new ways to increase your visibility in the industry is an absolute necessity.


From Strength to Strength: HousingWire's 2014 Look at Correspondent Lenders to Watch

  • October 01, 2014

CMG Financial Correspondent Lending makes it a priority to build valuable relationships with clients while nurturing a culture that cultivates knowledgeable and passionate employees. CMG delivers a broad range of products and delivery options, providing liquidity while offering individualized service.


Find the Right Moving Company

  • September 30, 2014

You’ve found the house, survived the loan process, and closed the deal. One final step to wrap up the entire homebuying experience: Moving!


9 Home Tips for Fall

  • September 29, 2014

Don’t let fall creep up on you! With kids headed back to school, acclimating to work after vacation time, and readjusting to the rigorous schedules this time of year, it’s easy to get caught up and forget about caring for your home until something goes wrong.


What is Escrow?

  • September 26, 2014

When you buy a home and choose a mortgage, you’ll hear the word ‘escrow’ come up in your conversations with your real estate agent and lender. So what is escrow, how does it work and why is it important? Let’s take a closer look.


Home Ownership for Millennials

  • September 10, 2014

The industry has circled around this topic recently and frequently. What is preventing millennials from becoming homeowners? Home ownership has been considered the “American Dream” for many generations. Children graduated, got married, and started a family, most likely within the walls of their very own home.


Executive Conversation: Terri Davis focuses on smart solutions

  • September 03, 2014

Executive Conversations is a HousingWire web series that profiles powerful people in the financial industry, highlighting the operations and the people that make this sector tick. In the latest installment, we sit down with Terri Davis, senior vice president of correspondent lending at CMG Financial, to discuss the correspondent space, and what an inspired workplace looks like.


CMG Financial Joins Lenders One as a Preferred Investor

  • September 02, 2014

CMG Financial is proud to announce its Correspondent Lending Division is one of the newest Preferred Investors at Lenders One, a national cooperative of independent mortgage lenders.  Collectively, the members of Lenders One represented nearly 14% of the 2013 US originations marketplace.


Why Do Mortgage Companies Sell Closed Loans?

  • August 25, 2014

When you get a mortgage from a bank or mortgage broker, chances are your loan will be sold after it is closed. Who will your loan be sold to, why and how will it affect you? Let’s take a closer look.


Hello Georgia!

  • August 19, 2014

CMG Financial Consumer Services has officially expanded and brought its expertise to Atlanta, Georgia. Mary Walker joins the team as Branch Manager bringing more than twenty years of experience and industry knowledge to her new leadership role.


Should You Buy or Rent?

  • August 18, 2014

It’s the age-old question: should you buy a home or rent? Which one is better? The answer depends on you, your financial circumstances—and your dreams. Many people just prefer to rent. For others, home ownership is a passionate goal. If you’re one of them, we can help you determine when the time is right to pursue your dream.


Fracking in the Housing Market

  • August 14, 2014

Many factors influence the value of a house. But here’s yet another factor to take into consideration when buying a home: hydraulic fracturing, also known as fracking. Hydraulic fracturing is the process of injecting high-pressure water and chemicals underground to free up the natural gas found in shale rock. Gas companies are staking claims on land for the sole purpose of fracking and extracting gas for profit.


Increase Your Home Appeal

  • August 04, 2014

Selling your home? Time to prepare your home and create the greatest amount of interest to sell it as quickly as possible once it hits the market. Follow these easy steps to highlight home’s features in the best way.


Types of Homes

  • July 29, 2014

It is easy to get caught up in the slang and jargon of the housing industry and become lost. One thing that may seem simple but ends up adding confusion to the equation is the names different styles of houses are referred to as. Here’s a quick reference for the types of homes. Find which ones suits you and your needs best!


The Loan Process

  • July 14, 2014

Don’t let the loan process deter you from your dreams of homeownership. When broken down, the loan process is actually not that intimidating. Pair your knowledge with an experienced and professional Mortgage Consultant and your homebuying journey will go much more smoothly.


CMG Financial Extends Nationwide Footprint Into New Jersey

  • July 08, 2014

CMG Financial’s nationwide footprint has expanded into New Jersey with a new branch located at 35 Waterview Boulevard in Parsippany. This latest edition to the CMG Financial team will bring an extensive library of loan products to consumers while serving the needs of homebuyers with the utmost professionalism.


CMG Financial’s AJ George Selected as a 2014 Rising Star by HousingWire

  • July 08, 2014

AJ George, Vice President of Correspondent Operations at CMG Financial, is honored in his selection to the 2014 Rising Star in HousingWire’s inaugural program. HousingWire designed the Rising Stars program this year in order to recognize and spotlight young industry professionals who have proven themselves as leaders in their respective fields. Professionals under the age of 40 were eligible to receive this recognition across the lending, servicing, investing, or real estate fields.


CMG Financial Opens Its Third Branch in Texas

  • July 02, 2014

CMG Financial announces its arrival in Texas with a new branch located in the Stone Gate Commons at 11734 Barker Cypress, Suite 105 in Cypress. Prepared to deliver extraordinary service, the Cypress branch is composed of a professional team with a positive reputation in the community.


CMG Financial Begins Serving Consumers Out of Newest Branch in The Woodlands, Texas

  • June 25, 2014

CMG Financial begins serving consumers out of its newest branch in Texas located at 200 Valleywood, Suite B400 in The Woodlands. A ten-year veteran in the residential mortgage lending industry, Graham Dodson will take on the position of Branch Manager. Dodson is an enthusiastic professional with an in-depth knowledge of the industry, which will allow both consumers and employees to feel confident in his leadership.


CMG Financial Extends Reach to Des Moines, Iowa

  • June 23, 2014

CMG Financial opens its first brick and mortar branch in Iowa at 3303 109th Street in Urbandale. Stephanie Reed will serve as Branch Manager leading her experienced team to successful business practices through the Iowa and Nebraska regions.


CMG Financial Brings Vast Library of Loan Products to Edmond, Oklahoma

  • June 13, 2014

CMG Financial brings its extensive library of home loan products to consumers in Oklahoma at 16208 Sonoma Park Drive in Edmond. As the housing market looks ahead and makes strides to continue improving, the Edmond branch welcomes the opportunity to serve consumers in the area and provide powerful insight on matching the perfect loan to each financial situation.


CMG Financial Receives Recognition as One of The Bay Area News Group’s Top Workplaces for 2014

  • June 13, 2014

CMG Financial is pleased to announce that it has been selected as one of The Bay Area News Group’s Top Workplaces for 2014.


CMG Financial Brings Extraordinary Service to Missouri

  • June 03, 2014

CMG Financial announces its arrival in Missouri with a new branch opening at 1810 Craig Road, Suite 124, St. Louis. The St. Louis branch will focus on providing customers with loan products designed to fit his or her unique financial situation. Aligning with the CMG Financial values, the expansion will deliver a highly personalized lending experience through a business platform based on integrity and loyalty.


CMG Financial Expands Talented Team with Addition of Denise Tragale

  • May 28, 2014

CMG Financial continues to expand into new regions and remains dedicated to growing their talented team of professionals to better serve the communities they enter. The newest member of this unique team is Denise Tragale who brings nearly 20 years of experience in the industry to her new position as Northeast Regional Sales Manager.


CMG Financial Expands Into Virginia

  • April 08, 2014

CMG Financial expands into Chesapeake, Virginia opening a branch at 2125 Smith Avenue Suite 202. This branch is the thirtieth CMG Financial branch to open in the country, expanding the reach of extensive loan products, exceptional customer service, and unique business strategy. The Chesapeake Branch will focus on opportunities of enriching consumer’s lives through providing the best mortgage solutions for each financial situation.


Kory Kavanewsky Named to Scotsman Guide 2013 Top Originator List

  • April 04, 2014

CMG Financial proudly congratulates Kory Kavanewsky, producing manager of the Coronado branch, on being named the #170 top dollar volume originator in the country by the Scotsman Guide 2013 Top Originators List.


Rodrigo Ballon And Scott Evans Recognized On Scotsman Guide National Top Originator Lists

  • April 03, 2014

Scotsman Guide recognized Rodrigo Ballon and Scott Evans, producing managers of the San Diego University Town Center (UTC) branch, on their Top Loan Originator Lists for their hard work and dedication in the mortgage industry in 2013. Ranked among the best in the country, Ballon and Evans exhibit their professionalism, knowledge, and expertise as Mortgage Consultants at CMG Financial.


Robert Friedberg Named “Lender of the Year” by CBIA

  • March 24, 2014

Northern California Builder Industry Association (CBIA) named CMG Financial’s Robert Friedberg “Lender of the Year”. Friedberg is recognized for his ability to close loans on time, maintain an exceptional record of customer service, and demonstrate advanced knowledge of the industry thereby providing the best solutions for each unique financial situation.


CMG Financial’s Christopher M. George Presented with the Hall of Honor Award by MBA and Wingspan

  • March 19, 2014

The Mortgage Bankers Association (MBA) and Wingspan Gives Back presented The Hall of Honor Award to Christopher M. George, president and CEO of CMG Financial, at the MBA 2014 Mid-Winter Housing Finance Conference. The Hall of Honor Award was designed to recognize both corporations and individual corporate leaders who have committed their support to the military community on both a national and local level.


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© CMG Financial, All Rights Reserved. CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender with corporate office located at 3160 Crow Canyon Road, Suite 400, San Ramon, CA 94583 888-264-4663. Licensed by the Department of Business Oversight 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; Illinois Residential Mortgage Licensee; Kansas Licensed Mortgage Company #MC.0001160; 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; and Licensed by the Virginia State Corporation Commission #MC-5521. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. For information about our company, please visit us at To verify our complete list of state licenses, please visit and NMLS Consumer Access (