Loan Programs

Loan Programs at CMG: More Options, More Flexibility, More Wins

At CMG Home Loans, loan programs aren’t just about checking boxes – they’re about solving problems, expanding opportunity, and creating better outcomes for your clients. As one of the top 10 lenders in the country, CMG brings scale, innovation, and flexibility to meet the demands of today’s dynamic market.

CMG is licensed in all 50 states, which gives our Loan Officers maximum flexibility to serve clients wherever opportunities arise. Check out more about our licensing and out-of-state referral program. 

FYI, here’s a fancy video about our programs that provides a quick overview of some of our programs. 

Built for Builders

CMG is recognized as one of the top new construction lenders in the country—and it’s no accident. We do more builder business because we’re built for it. Our platform is designed around the unique needs of homebuilders, offering powerful tools and financing solutions that help drive both affordability and operational efficiency.

From our “no upfront cost forward commitments” to our dedicated horizontal and vertical lending division, we give builders the ability to secure financing for land development and spec construction; thus, making it easier to plan, build, and sell with confidence. Below is a list of some of the builder-focused programs that set us apart.

Down Payment Assistance & Bond Programs

CMG also offers a host of bond programs: 

  • We have the usual suspects (TDHCA, TSAHC, SETH, Chenoa)
  • CMG’s FHA Home Select Series: 0% FHA with no MI – this is an awesome product to help with affordability 
  • CMG’s HomeSafe 2nd (second lien for 62 years and older) 
  • CMG’s Bond Loan Second
  • MCC tax credit

Specialty and Non-QM Solutions

We go beyond the traditional to support a wide range of scenarios, including:

  • 100% FHA with No MI (only in Texas)
  • AIO: All-In-One (CMG’s own product)
  • AIO OTC in 49 States… coming soon to Texas!
  • Bridge Loans (all brokered options)
  • Builder Forward Commitments 
  • Builder: Development Financing
  • Builder: Spec Financing
  • Community Classic with Chase
  • Condos
    • Non-warrantable condos (thanks to an elite condo desk)
    • 0% Pre-Solds for Condos
  • Extended Locks (up to 12 months)
  • FHA: 203K, 203K Limited, 203H
  • Halal Program 
  • HELOCs, including those in Texas
  • HomeFundIt (CMG’s own product)
  • Homes for Heroes
    • FRESH (CMG’s own program)
    • Zero for Heroes 
  • Investor Private Label Security (PLS)
  • Jumbos – lot of them
  • List & Lock and the List & Lock Later (CMG’s own product)
  • Lot and land loans 
  • MedPro: Doctor and professional loan programs
  • Non-QM Solutions
    • DSCR
    • Bank statement Programs (12 and 24 month) 
    • ITIN
    • Asset Depletion
  • One Time Close (OTC) via the All-in-One (all state except Texas… should have Texas approved soon)
  • Portfolio: CMG has a private portfolio for the “near miss” loans. This typically requires at least 10% down, 2 points, and a rate that is 2% above the 30-year fixed. It will be a 12 month note since its purpose is to solve a problem that will soon be fixed. 
  • Renovation loans
    • VA Renovation loans 
    • VA Construction Loans are coming soon)
      FHA 203k 
    • FHA 203KS
    • FHA 203H
    • Fannie’s HomeStyle 
    • Freddie’s ChoiceRenovation
  • Reverse Mortgages 
  • Texas Vet
  • VA Renovation 
  • VA Construction (coming soon)

Our ability to broker loans ensures that clients have options – even on complex or unconventional deals. For example, we have outlets for equestrian farms, cross collateralization, and small commercial deals. Best yet, CMG pays full comp on brokered loans. 

Full Agency Access… and Then Some

CMG sells directly to Fannie Mae, Freddie Mac, and Ginnie Mae. That means you get:

  • Full agency product availability
  • Competitive pricing and direct execution
  • No unnecessary overlays (other than standard items like VOD documentation)

We’re built for speed, flexibility, and reliability. Whether you’re working on a straightforward conventional loan or a trickier FHA/VA/USDA deal, you can move with confidence.

Niche Programs Exclusive to CMG

Some of our most powerful tools are only available here. These include:

  • AIO (All In One Loan™): An advanced first-lien line of credit mortgage. It’s an incredible tool and great for high-net-worth clients, self employed business owners, and real estate investors. Here are some fancy videos about the product: All-In-One Loan and All-In-One Explained.
  • CMG’s FHA Home Select Series: 0% Down FHA with no MI – this is an awesome product to help with affordability.
  • HomeFundIt: A crowdfunding platform for down payment support. This is an incredible marketing tool and a way to help borrowers raise money for a down payment and/or closing costs. It can solve the program of unacceptable gift funds. Here’s a fancy HomeFundIt video.
  • Investor PLS: This is our Private Label Security loan for real estate investors. It allows 10–15% down, no income verification, and aggressive rates (because it avoids the LLPAs issued by the Agencies). 
  • List & Lock: A pricing strategy to help agents win listings. The marketing that is associated with this product is unmatched. It’s an easy way to get in front of Realtors to start earning their business. Here’s a fancy List and Lock overview video and an example of the social ad that is run for the house.

These tools aren’t just products – they’re ways to win more business and expand your reach.

Call to Action

Want to see how these programs can unlock new opportunities in your market?

Let’s schedule a discovery call and walk through how CMG’s loan programs can help you grow your business, win more contracts, and serve more families with smarter, faster solutions.

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