CMG Home Loans · Lender
CMG Home Loans
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: CMG Mortgage, Inc. dba CMG Home Loans. State-specific licensing and trade-name limitations apply; the licensing page also lists Guam, Puerto Rico and the U.S. Virgin Islands. Retail consumer application and wholesale/correspondent partner channels are separate; partner paths are not consumer applications. Other government/specialty programs are outside this conventional product profile.
At a glance
- Property use
- Primary residence
Still to confirm: Borrower type, Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- Conventional loans may finance primary residences, second homes, rental properties and investment properties.
- Fixed terms of 10, 15, 20, 25 and 30 years and ARM terms of 3/6, 5/6, 7/6 and 10/6 are listed.
- Some qualified conventional borrowers may put as little as 3% down; other low-down-payment options start at 5%.
What to consider
- Employment history, verifiable income and a debt-to-income ratio of45% or less are listed; a numeric minimum credit score is not stated.
- Down payments below20% require PMI for a period of time; actual payment exceeds published principal-and-interest examples.
- The published6.5% examples are undated and may change or be unavailable at rate lock; no current effective date or personal quote is established.
AI-generated lender-level assessment based on published information. Not a verified assessment of CONVENTIONAL LOAN — Primary residence; confirm program-specific conditions below.
Additional lender considerations
- Lender-paid mortgage insurance is available; borrower-paid PMI is cancellable at 20% equity under the published description.
- SSN, ITIN, visa, U.S. versus foreign credit history, foreign income and foreign asset acceptance require lender confirmation.
Newcomer requirements
CONVENTIONAL LOAN — Primary residence
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Income documentation
- Published conditions apply. Read the full lender requirements below before applying.
- Employment documentation
- Proof of employment history and verifiable income
- Occupancy
- Primary residence
View full lender requirements
- Income documentation
- Proof of income and employment (pay stubs, tax returns, W-2 statements etc.) Documentation of financial assets (bank statements, etc.) Residential history (previous two years’ worth) Your credit history (it’s also a good idea to check your credit report - not score - here) Identity information like your driver’s license, Social Security card, and date of birth in order to apply
- Employment documentation
- Proof of employment history and verifiable income
- Occupancy
- Primary residence
- Other conditions
- Applicants must meet a DTI of45% or less; typical range43%–45%. PMI required below20% down for a period and cancellable at20% equity. Some qualified borrowers may have3% or5% low-down-payment options; the page does not allocate minimums to each occupancy. Numeric minimum score and foreign/alternative credit pathways are not stated.
Questions to confirm with the lender (13)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
CONVENTIONAL LOAN — Primary residence
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
CONVENTIONAL LOAN — Primary residence
- Proof of income and employment (pay stubs, tax returns, W-2 statements etc.) Documentation of financial assets (bank statements, etc.) Residential history (previous two years’ worth) Your credit history (it’s also a good idea to check your credit report - not score - here) Identity information like your driver’s license, Social Security card, and date of birth in order to apply
- Proof of employment history and verifiable income
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Conventional home financing from CMG Mortgage, Inc. dba CMG Home Loans for primary residences, second homes and investment properties, with fixed-rate and adjustable-rate options and conditional low down payments.
Legal lender: CMG Mortgage, Inc.
Lending channel: Direct lending, Through mortgage brokers, Correspondent lending
Provider type: Mortgage company
Lending channels: Direct lending, Through mortgage brokers, Correspondent lending. Origination status: Active.
NMLS identifier: 1820
Published service states: AL,AK,AZ,AR,CA,CO,CT,DE,DC,FL,GA,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,OR,PA,RI,SC,SD,TN,TX,UT,VT,VA,WA,WV,WI,WY
More lender directory information
Direct application information ↗
Correspondent lending information ↗
CMG Mortgage, Inc. dba CMG Home Loans. State-specific licensing and trade-name limitations apply; the licensing page also lists Guam, Puerto Rico and the U.S. Virgin Islands. Retail consumer application and wholesale/correspondent partner channels are separate; partner paths are not consumer applications. Other government/specialty programs are outside this conventional product profile.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Oct 26, 2026
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.