Conventional Loans
Down payments as low as 3%, available for a wide range of buyers. Great for: Borrowers with limited down payment funds & more
Home financing hub
Explore all of our loan products, programs, and exclusive ways to save.
Traditional Home Financing
Explore common mortgage options for most home buyers.
FHA Loans
Flexible qualification criteria, low credit scores, and down payments as low as 3.5%. Great for: First-time home buyers or those with lower credit scores
VA Loans
A 0% down payment option with lenient requirements for eligible borrowers. Available for: Active-duty military members, Veterans, reservists, National Guard, and surviving spouses
USDA Loans
A 0% down payment option with lenient requirements for those in eligible rural and suburban areas. Great for: Those who live in more rural areas
Property-Specific Financing
Specialized financing for condos, manufactured homes, and other unique property types.
Condo Loans
Financing solutions for eligible condominium purchases (including non warrantable condos and condotels). Great for: Buyers purchasing a condo as a primary or rental home
Manufactured Homes
These low and no down payment loan options help home buyers purchase a manufactured home. Great for: Buyers seeking a more affordable housing option
PLS Financing
With our own Private Label Security, we can, in most cases, offer better pricing on second homes and investment properties. Great for: Those looking to buy a second home or investment property
High-Balance Financing
Finance higher-priced homes with unique financing needs.
Jumbo Loans
Loan amounts up $5M, down payments as low as 10%, interest-only ARM options. Great for: buyers purchasing homes above Conventional Loan limits looking for straightforward high-balance finanicing
All In One Loan®
Designed to help you pay down your loan faster, save thousands in interest, and give you 24/7 access to home equity, WITHOUT changing your budget. Loan amounts up to $6M. Great for: savvy borrowers who want their money to work harder
Down Payment Assistance
Reduce upfront costs with low down payment mortgages, grants, and assistance programs.
HomeReady & Home Possible
Purchase a home with as little as 3% down and reduced mortgage insurance for eligible borrowers. Great for: First-time home buyers with low to moderate incomes
Community ONE
Receive up to $6,000 in grant funds to help cover your down payment and closing costs. Great for: Eligible buyers looking to reduce upfront home buying expenses
FHA Assistance
Two programs (Buyers Choice and Home Select) that can help cover the cost of your down payment and closing costs. Great for: Buyers looking to reduce upfront costs and make homeownership more affordable
Community Lending
Eligible buyers may qualify for discounted rates or up to 5% in down payment assistance, depending on the program. Great for: Buyers purchasing in eligible communities or those with low to moderate incomes.
HomeFundIt™
Raise money for your down payment with help from friends and family. Plus, we'll match each gift $2-to-$1 (up to $2,000). Great for: Buyers looking to leverage their network to build down payment savings
State & Local Assistance Programs
Each state offers several down payment assistance grants and loans. To learn more about your state's programs, talk to your local loan officer
More Ways to Qualify
Financing for self-employed borrowers, investors, and those with non-traditional income.
DSCR Loans
Qualify based on your property's rental income instead of your personal income. Great for: Real estate investors purchasing or refinancing rental properties
Bank Statement Loans
Qualify using 12 months of bank statements instead of traditional tax returns. Great for: Self-employed borrowers, entrepreneurs, and business owners
All In One Loan® Bank Statement
Combine the benefits of the All In One Loan® with bank statement qualification for greater financial flexibility. Great for: Self-employed borrowers who want ongoing access to their home equity
Asset Qualifier Loans
Use your eligible liquid assets to qualify instead of traditional income documentation. Great for: Retirees and borrowers with substantial savings or investments
ITIN Loans
Purchase a home using an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number. Great for: Qualified borrowers who do not have a Social Security number
Graduate Advantage
Qualify using your future employment income before starting your career. Great for: Recent graduates in eligible professional fields
Specialty Financing
Solutions for unique home buying situations, communities, and specialized needs.
Halal Financing
Purchase a home with financing designed to align with Islamic financing principles. Great for: Buyers seeking a faith-based alternative to traditional mortgages
HUD Section 184
A mortgage program created specifically for eligible Native American and Alaska Native home buyers, offering flexible financing options. Great for: Buyers purchasing a primary residence on or off tribal lands
FHA 203(h) Disaster Relief
Replace or rebuild your home with special financing after a federally declared disaster. Great for: Homeowners recovering from a qualifying natural disaster
MedPro Programs
No down payment. No monthly mortgage insurance. Designed exclusively for eligible medical professionals. Great for: Physicians, dentists, veterinarians, CRNAs, and other qualifying healthcare providers
FHA Solar & Wind
Finance solar or wind energy systems as part of your FHA mortgage. Great for: Buyers investing in renewable energy
Reverse Mortgages
Access your home equity with no required monthly mortgage payments (borrower still responsible for taxes and insurance) while you continue living in your home.* Great for: Eligible homeowners age 62 and older
Add-On Benefits
Enhance your home buying experience with programs that can help you save money.
Lock N Shop
Lock your interest rate for up to 90 days before you find your next home. Great for: Buyers who want protection from rising rates while they shop for their home
FRESH Savings
No tax service fee, no credit report fee, $250 off appraisal fee. Great for: Eligible professionals including teachers, first responders, law enforcement, Veterans, and more
Rate Rebound
Waiting for rates to fall before you buy? With Rate Rebound you can buy now and refinance with no lender fees later if rates fall. Great for: Buyers waiting for rates to fall
List & Lock™
Looking to sell before you buy?
List & Lock™ lets you advertise discounted interest rates on your listing, which can attract more buyers, and save you more money than a typical price reduction. We'll handle the marketing, and after your home sells, you'll receive up to $5,000 toward your next CMG-financed home purchase.
Refinance Options
Access equity, or pay off your mortgage sooner, switch loans, adjust terms, and more.
Get cash out
Replace your current mortgage and use your home's equity for the goals that matter most
Refinance a VA Loan
Simplify your existing VA loan and explore opportunities to improve your mortgage
Lower your payment
Get rid of mortgage insurance (if eligible), lower your mortgage rate, or adjust your terms to lower your monthly payment
Adjust loan terms
Switch from adjustable to fixed-rate, lengthen or shorten your loan term, or change loan types
Rate Rebound
Refinance with no lender fees*
If you purchased a home with us within the past five years, you can refinance to a lower rate with no lender fees if market rates have dropped.
Construction Financing
Build your dream home from the ground up.
All In One Loan® One-Time Close Construction-to-Permanent Loan
Build your home while reducing interest, building equity sooner, and keeping funds accessible throughout the process. Great for: Buyers building a custom home with long-term financial flexibility
Conventional Two-Time Close Construction Loan
Separate your construction financing from your long-term mortgage with flexible two-time closings. Great for: Buyers building a custom home who prefer separate construction and permanent financing
Jumbo Two-Time Close Construction Loan
Finance luxury home projects with high loan amounts designed for larger projects. Great for: Buyers building luxury homes
Renovation Financing
Transform the home you want to buy or update the one you already own
FHA 203(k)
Combine your home purchase and renovation costs into one convenient loan with as little as 3.5% down. Great for: Buyers purchasing a fixer-upper or looking to update their current home
HomeStyle® & CHOICERenovation®
Finance renovations with as little as 3-5% down, whether you're buying a fixer-upper or improving one you already own. Great for: Buyers and homeowners planning a wide range of renovation projects
VA Renovation
Eligible borrowers can finance a home purchase and renovation with no down payment. Great for: Veterans, reservists, active-duty military members, National Guard, or surviving spouses looking to renovate a home
Home Equity Line of Credit (HELOC)
Borrow what you need, when you need it, and only pay interest on the amount you use.
CMG HELOC
Access your home equity when you need it and borrow only what you use, with a credit line up to $750,000. Great for: Ongoing expenses like renovations, education, or unexpected costs
5-Day HELOC
Apply online and access your home equity with funding in as little as five days. Great for: Homeowners who need funds quickly for planned or unexpected expenses
Home Equity Loans
Receive your home equity as a one-time lump sum with predictable monthly payments.
Closed-End Second
Receive your home equity as a one-time lump sum with predictable fixed monthly payments. Great for: Homeowners financing a major one-time expense or consolidating debt
Non-QM Closed-End Second
Access your home equity using bank statements, DSCR, or alternative income documentation. Great for: Self-employed borrowers, investors, and those with non-traditional income