The Sheir Team at CMG Home Loans - NMLS #367620

Are you financially prepared for an emergency? An emergency fund is money that you set aside to cover unexpected, expensive events—like sudden loss of job or major illness. How much money should you have in an emergency fund? Experts recommend that you should have three to nine months of living expenses set aside.

🏡✨ Sending a huge congratulations to Jonel on the successful closing of your dream home! Your trust in us is truly appreciated. May your new home be filled with love, laughter, and countless happy memories. Best wishes on this exciting journey! 🎈🔑

Home is where love resides, memories are created, and dreams come true! 💫

Sending a huge congratulations to Elvira for closing on their new home sweet home. We're honored to have been part of your journey. Many thanks to Nicole Hanna with Lokation Real Estate for your expert guidance!

Imagine finding your dream home on the market… just to learn it’s way over budget. How can you avoid this waking nightmare? Before you embark on your house hunting expedition, it’s a good idea to meet with a loan officer to set your budget. Here's what loan officers are looking at when determining how much home you can afford

Keep an eye out for real estate 🚩RED FLAGS 🚩
How can you identify potential fraud as a home buyer? Read our blog as we explore some of the most common real estate scams and how to avoid them:
http://spr.ly/6188m92tp

Do you know how to calculate your home equity? It's relatively straightforward-- you simply subtract the amount you owe on your mortgage from the current market value of your home. Ready to take advantage of your home equity? Give me a call today!

Why pay someone else's mortgage? When you make monthly rental payments, you're doing exactly that— paying your landlord's mortgage and building no equity. When you own a home, your mortgage payments help you build wealth in the form of

Happy National Dog Day from your friends at CMG Home Loans! Need a bigger yard FUR your best friend? Doggone tired of your apartment's strict pet policies? Renting can be RUFF, but your loyal friends at CMG can help finance your FURever home. Give me a call today!

Did someone say rate cuts? This morning, Federal Reserve Chairman Jerome Powell gave a highly anticipated speech about the current economic state and future Fed outlook. Here’s what you need to know: http://spr.ly/6188m8TTe

Whether you’re buying a home or selling, price negotiations are a cutthroat part of the business. Here’s how utilizing a REALTOR® can simplify your real estate transaction: http://spr.ly/6189lfGnX

Hooray! 🎉 Another happy chapter begins for Ann in her new home sweet home! Congratulations on this exciting milestone! Thank you for choosing us to help turn your homeownership dreams into reality. Special thanks to Lori St. John with Keller Williams Central and Jonathan Keith for your invaluable assistance!

Sell faster without lifting a finger! With our exclusive List & Lock™ program, you can sell your home faster, for a higher profit, WITHOUT lowering the listing price. And, the savings don't stop there! Ask me how our new List & Lock & SAVE advantage can save you up to $5,000 toward your next home purchase!

What does your financial report card show? Your credit report includes details about your credit history, including the number of open and closed credit accounts, your history of on-time and delinquent payments, accounts that are in collections, the number of times you've applied for credit, and more. You're entitled to a free copy of your credit report every 12 months. Go to AnnualCreditReport.com to request your copy!

Another dream realized in Aventura, FL! 🏡 🎊 Huge congrats to our incredible client, Sem, on this milestone. Thank you for choosing at CMG Home Loans for your financing journey. Wishing you a lifetime of joy and happiness in your new home! 🥂

What do NAR’s upcoming industry changes mean for you? Effective Saturday, August 17th, the National Association of REALTORS® (NAR) is implementing practice changes, including updates to compensation offers, written agreements, and communications with communities and consumers. Here’s what you need to know: http://spr.ly/6183lzsQt

Did you know it's National Day? 🤔
Today we celebrate by reminding ourselves how important it is to achieve financial independence!
Purchasing and owning a home is one of the most common first steps to building wealth. When you own a home, you accumulate wealth in the form of equity as your home appreciates in value over time 💰 Are you ready to take the first step towards financial independence? Contact me today to get started on your preapproval!

Still think a 20% down payment is required? Think again! FHA Loans allow down payment amounts as low as 3.5%

What’s the driving force behind last week’s refinance surge? Plus, initial jobless claims saw the largest decline in almost a year, calming the job market crash fears. Read more in the Market Update: http://spr.ly/6181YsyIz

Generally, top-rated school districts mean safer neighborhoods. Whether you have school-aged children or not, scroll through ➡️ to see why you should research school districts when buying a home

Ready to embark on your home buying endeavors? Purchasing a home is a major life decision, and you want to make sure you find a home that checks your most important boxes while avoiding money-draining surprises. Click here to look through home buying green and red flags: http://spr.ly/6188Yl4va

BREAKING: Mortgage rates drop to the lowest level in over a year! This week's big drop was a result of June's collection of employment reports, which came in below expectations and point to weakness in the jobs market. Consequently, the average 30-year fixed mortgage rate fell to its lowest level since April 2023

It's back-to-school time! Are you ready for an A+ home buying experience? Now's the time to study up for your home purchase! It all starts with a preapproval, contact me today to take the first step!

"HOA" stands for Homeowners' Association, a non-profit organization that manages and maintains a community's assets, such as homes, properties, and common areas. "CC&Rs" stands for Declaration of Covenants, Conditions, and Restrictions. CC&Rs are the rules of the HOA community, which outline the rights and obligations of the HOA and its members. CC&Rs describe what can and can't be done with a property, and their goal is to preserve and enhance property values

The numbers are in! Inside Mortgage Finance has released origination data from Q1 of 2024, showing CMG as a top growth lender! Though many companies saw steep declines in production volume, CMG had a strong increase of 40.2% in Q1, ranking us #13 in the nation. Way to go !
Here's to more successes throughout 2024

Saving for the down payment is one of the biggest hurdles for first-time home buyers. When you grow your down payment with HomeFundIt™, you can cross the finish line FASTER with a LARGER down payment!

In the midst of high interest rates and historically high home prices, how can you achieve your dream of homeownership? Let’s discuss five strategies that can put you ahead of the game in a low affordability housing market: http://spr.ly/6189YG3yH

When it comes to home financing, you deserve a lender who will bend over backwards for your unique needs! At CMG Home Loans, we have flexible mortgage options for every budget. Whether you're looking to buy, sell, refinance, or renovate, we're here to help you stick the landing!