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Mortgage and Lending - CMG Home Loans - NMLS 248937
Mortgages are available in all shapes and sizes, no money and low down payment plans are still available, and dont forget to get qualified prior to shopping to be sure you are looking in the right price range.



You may be aware that you need your 1098 Mortgage Interest Statement when filing taxes, especially if you want to take advantage of possible home tax deductions. The 1098 statement details all interest paid on a mortgage for a given year. Your 1098 statement should be made available to you by you...
 Private Mortgage Insurance (PMI):   Every time I run a quote for PMI I’m surprised how inexpensive it has become.  PMI companies are more competitive than ever, and most have gone to risk based premiums VS a standard rate sheet/factor card in the past.   First off, every MI company looks at thin...
Happy New year from the Federal Housing Finance Agency.In Early 2021 FHFA tossed in new Loan Level Price adjustments (add ons) that we had never seen before for both Vacation homes and for Investment property. Last September they dropped the add-ons and they are back again for 2022, just on a sli...
 Happy New Year! Housing prices continue to climb:  CoreLogic Home Price Index was up 1.3% in November and 18% year over year, the highest reading in the 45yr history of the index. While the pace of appreciation in 2022 is not expected to stay at these levels most forecasts show prices will conti...

Robert Rauf

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The mortgage market is ever changing, do not be afraid to ask what is new!