Joan Martinez #344782

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/6183m8r4c

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/6188lf1x0

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/6186lzsys

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/6187YsyGP

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/6183Yl4Gc

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/6183YGzXx

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/6187ch2GB

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 !

Are you ready to take the plunge? 🥽 Avoid the splashes and ease into homeownership with a mortgage payment buydown. Dive into homeownership with lower monthly mortgage payments for up to three years!

Go Team USA! 🇺🇸 As you root for our nation's top athletes, we're ready to cheer you on your path to the American Dream of homeownership. When it comes to mortgage financing, trust your home team at CMG!

Setting your aim 🎯 on homeownership? A straight shot to the home of your dreams starts with a mortgage preapproval. Give me a call to take the first step!

How has the VA Loan evolved throughout the years? Since its creation in 1944, this program has provided homeownership opportunities to millions of Veterans. As we celebrate the 80th anniversary of the VA Loan, here’s how the program has expanded in recent decades: http://spr.ly/6187cVly1

Think it's a good idea to browse home listings before getting preapproved? Think again! A preapproval lets you know how much you can afford, so you don't get your heart set on a home that's out of your budget. Ready to get started on your mortgage preapproval? Give me a call!

Amidst inflation and rate volatility, how can you stay afloat? We're proud to offer our 🛟 Float Down Option 🛟 to help you find your dream home at the right rate. If rates go up, you're protected. If rates go down, you get the benefit. Ask me how our Float Down Option can lead you to smooth sailing ⛵

The base FICO® Scores range from 300 to 850. The higher the score, the lower the risk to lenders. A "good" credit score is considered to be in the 670-739 score range. A credit score between 740-799 is considered "very good" and a score over 800 is considered "exceptional"