CMG Home Loans - Mike Crandall

Ever noticed that the word “homeowner” has “meow” right in the middle? 🙀 With over 66% of households including at least one pet, buyers are increasingly prioritizing pet-friendly features when choosing homes and making renovations. Here’s how pets are shaping the current housing market: http://spr.ly/6186WvPRg

When you put down less than 20% on your Conventional Loan, your lender will require you to pay Private Mortgage Insurance, also known as . Luckily, this additional cost won't last forever. Once you reach 22% equity, your lender will automatically cancel your PMI.

What can your do for you? Ask me how a HELOC can help you unlock the hidden cash in your home!

Did you know? September is National Preparedness Month! It pays to be prepared for any disaster— man-made or natural. Be informed, make a plan, and build an emergency kit to keep your family prepared in the event of a disaster.

As average down payment costs rise to the highest level in over ten years, can you still succeed in the housing market? Here’s what home buyers need to know about down payment assistance: http://spr.ly/6186WPOWj

Don't fumble 🏈 your dream home! 🏠 At CMG Home Loans, we have a wide variety of loan programs to help you reach the endzone FASTER. Give me a call to devise a gameplan and kickoff your homeownership journey!

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.

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:
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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/6187m8TmV

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/6186lfGZO

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!

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/6184lzstj

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/6185Ysyxl

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/6186Yl4UA

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

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/6183YG3rL

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!

Though the Federal Open Market Committee (FOMC) did not cut rates yesterday, mortgage rates still trended lower. In fact, the average 30-year mortgage rate officially dropped to its lowest level since late 2023, according to Mortgage News Daily’s rate index. Read more in the market update: http://spr.ly/6184chNeY

Home search isn't going as swimmingly 🏊 as you hoped? Don't lose hope just yet! With a Renovation Loan, you can turn a house you LIKE into a home you LOVE. Freestyle your home any way you'd like -- it all starts with a !