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Lending made Easy: Smart, Fast, and Reliable

Unlock your path to homeownership with personalized mortgage solutions designed just for you. Whether you're buying your first home or upgrading to your dream property, we provide expert guidance, competitive rates, and a seamless process to help you achieve your goals. Let’s make your best future a reality today!

About CMG Home Loans

Guiding You Home with Trusted Expertise

Navigating the mortgage process requires a trusted partner who understands the intricacies of home financing.

CMG Home Loans brings years of experience and a commitment to personalized service, ensuring that you have expert guidance every step of the way. With our knowledgeable team by your side, you can confidently make informed decisions that align with your financial goals. Trust us to help you secure your future, one step at a time.

Mortgages Made Easy, Dreams Made Real

At CMG Home Loans, we understand that finding the perfect home extends beyond just the property itself – it's about securing the right mortgage too. Our dedicated team of experts is here to guide you through the intricate world of residential mortgages. Whether you're a first-time homebuyer or looking to refinance, we offer a comprehensive range of loan options tailored to your unique needs. Explore our diverse selection of loan types, including fixed-rate mortgages for stability, adjustable-rate mortgages for flexibility, FHA loans for lower down payments, and much more. Your dream home deserves a dream mortgage, and we're here to make it a reality.

Our Services

Residential Loans

Qualified Mortgage Loans

Conventional

The most popular home loan, conventional loans are less restrictive, there are fewer number of required fees, and fewer terms to qualify.

FHA

A government-backed mortgage, FHA loans require lower minimum credit scores and down payments than many conventional loans, which makes them especially popular with first-time homebuyers.

USDA

A competitively priced mortgage option, USDA loans are zero-down-payment mortgages for homebuyers in rural areas that meet certain eligibility requirements.

VA

A VA loan is a mortgage loan guaranteed by the United States Department of Veterans Affairs. These loans are exclusively for active and former military members and their families.

Non-Qualified Mortgage Loans

DSCR

Becoming more and more popular, a Debt Service Coverage Ratio (DSCR) loan looks at the cash flow generated from an investment property to qualify for a mortgage instead of personal income.

HELOC

A HELOC is a line of credit borrowed against the available equity of your home. This type of loan is popular with homeowners because it has a lower interest rate than most credit cards.

Jumbo

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. Right now that’s anything over

Owner-occupied no ratio loan

This type of loan is suitable for low-income buyers and other non-traditional borrowers who don’t have the standard documentation needed to obtain a traditional mortgage.

Commercial Real Estate Loans

At CMG Home Loans, we recognize the complexity of commercial real estate ventures and the significance of securing the right financing. Our specialized team is dedicated to helping you navigate the diverse landscape of commercial mortgages. Whether you're investing in a new property, refinancing an existing one, or seeking construction financing, we offer a comprehensive range of loan options tailored to your business's unique requirements. Explore our diverse selection of loan types, including traditional commercial mortgages, SBA loans for small businesses, and specialized financing for multi-unit properties, all designed to propel your ventures forward. Your success in the commercial real estate market is our priority, and we're here to guide you every step of the way.

Loan Types

SBA

There are many types of SBA loans that can be used for different purposes. In general, though, these loans' low interest rates and long terms make them great choices for business owners who can qualify.

DSCR

Becoming more and more popular, a Debt Service Coverage Ratio (DSCR) loan looks at the cash flow generated from an investment property to qualify for a mortgage instead of personal income.

Talk To A Mortgage Expert Now!

Providing the Best Future for Your Best Living

At the heart of every great home is the promise of a bright future. We’re here to ensure that your dream of homeownership becomes a reality with mortgage solutions that are tailored to meet your needs. Whether you’re purchasing your first home, upgrading to your dream house, or refinancing for a better deal, we provide expert guidance to help you build the life you’ve always envisioned.

With us, your best future is more than just a possibility—it’s within reach. We understand that every home is more than bricks and mortar; it’s where life’s moments happen. That’s why we’re committed to offering flexible, competitive mortgage options that support your lifestyle, goals, and aspirations for the future. Let us guide you to the next chapter of your best living.

See What Our Customer Say About Us

Jared Monroe

I don't know how I can put into words how great it was working with Marc "Marco" Garofalo. Answered every email and phone call. Thoughtfully and patiently answered all my questions openly and honestly. The entire process from application to closing was a delight. Marc "Marco" Garofalo made sure to keep me informed of every step especially through the underwriting process, which is the most nerve racking of all. I highly recommend Marc "Marco" Garofalo!

Eric Putnam

If you are looking for a lender who takes a very personable approach, Marc "Marco" Garofalo is your guy. I really appreciated not feeling lost in a multitude of customers. There wasn’t a time that I needed Marc "Marco" Garofalo that he wasn’t available to help me. He answered all my questions and walk me through everything I needed to know and do. He is a fantastic lender and overall a great person. Thank you for everything!

Tony Esposito

Marc "Marco" Garofalo recently helped my wife and I through our 1st home purchase. From day 1, he was more than helpful, ensuring to answer any and all questions, educate us, and walk us through each step (sometimes holding our hands through it when needed). He was personable, and made the entire process simple and painless. I could not recommend him enough, and would absolutely work with him again in the future if/when it comes up!

HOW IT WORKS

Let us help you get your home today.

Step 1

Initial Consultation

Our initial consultation provides personalized mortgage advice tailored to your financial goals, setting the foundation for securing your ideal home loan.

Step 2

Document Collection

We'll guide you through the streamlined process of gathering all necessary documents to ensure a smooth and efficient mortgage approval.

Step 3

Evaluation and Approval

We carefully evaluate your application to ensure a swift and accurate approval, keeping you informed every step of the way.

Step 4

Disbursement Process

We handle the disbursement process seamlessly, ensuring your funds are delivered promptly and securely for your new home purchase.

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  • Dedicated Loan Concierge

Our dedicated loan concierge provides personalized support throughout the entire mortgage process, ensuring a smooth and stress-free experience.

  • Flexible Rates & Low Fees

We offer flexible rates and low fees, giving you affordable mortgage options without compromising on quality.

Employment History

Thank you for taking the time to fill out our questionnaire. Everything you provided helps our mortgage professionals have a better understanding of your needs prior to our phone call. Please press the submit button below.

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Why Choose Us

Your Home, Your Future, Our Commitment

Competitive rates

Secure the best rates for your financial success

Fast approval process

Speedy approvals to fast-track your purchase.

Flexible loan options

Adaptable programs tailored to fit your unique needs

Trusted expertise

Depend on our decades of experience for guidance

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Mortgage Solutions

Apply today for the mortgage that’s right for you.


Experience unparalleled service and tailored mortgage solutions that outperform the rest

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