BUILDER ADVANTAGE PLATFORM
Built to Give You a Competitive Edge
NATIONAL LENDER. LOCAL SERVICE
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WHY CMG?
CMG offers home builders access to a comprehensive new home loans platform with curated programs designed to address the real concerns of your buyers while helping you grow your business and drive sales.
Lead the way with one of the most innovative, privately held mortgage banking firms in the industry.
WHY WE’RE DIFFERENT
With CMG Home Loans, you get the personal approach of a local lender and the security of a national brand. CMG Home Loans’ localized processing allows you to close more loans, more efficiently.
MISSION STATEMENT
Delivering the right loans for the right reasons in a way that exceeds all expectations. That’s our business.
OUR MANTRA
Every Customer, Every Time. No Exceptions, No Excuses.
MESSAGE FROM OUR PLATFORM LEADERS
With over two decades in the industry, I’ve had the privilege of working with builders across the country, helping them align their financing strategies with their sales goals. My focus is on delivering innovative, data-driven solutions that not only address today’s challenges but also prepare you for long-term success.
Our mission is simple: to provide builders with a comprehensive suite of solutions that drive real results. Whether through cutting-edge financing programs, proactive sales support, or actionable insights, we’re here to help you navigate market complexities and succeed. CMG’s Builder Advantage Platform is your key to unlocking success in a highly competitive market.
- ANTHONY GRASST | VICE PRESIDENT, NATIONAL BUILDER DIVISION
I’ve spent my career working closely with builders and developers, ensuring their projects have the right financing solutions to succeed from start to finish. CMG's Builder Advantage Platform goes beyond traditional offerings—it’s about being an integral part of your entire journey, from acquisition through to final sale.
We’re here with you at every phase, providing the expertise and insight to help you meet your goals and adapt to changing market conditions. Our platform plays a real role in your success, with a focus on tailored support that helps you engage buyers, close deals, and grow your business. Together, we’ll tackle market challenges, seize opportunities, and build the foundation for long-term growth.
- DAN NUNEZ | VICE PRESIDENT, COMMERCIAL CONSTRUCTION DIVISION
WHAT CMG OFFERS BUILDERS
Experienced team of award-winning professionals
Data-driven strategies, actionable insights and sales team trainings
Local processing and underwriting
In-house marketing agency; customized and cobranded collateral
Quick upfront approvals
Extensive loan products and programs options tailored to builders’ needs
SALES TRAINING
Elevating Sales Teams Through Strategic Training
At CMG, we understand that the strength of a builder’s sales team is integral to their success. That’s why we offer a comprehensive sales training program designed to empower sales teams with the tools, strategies, and financing solutions they need to succeed in today’s market. Our training teaches sales teams how to communicate effectively with buyers about affordability concerns, building trust and making it easier for them to move forward with confidence.
What We Cover:
? Market Insights and Trends : Stay ahead of the competition with the latest data on housing market trends and buyer psychology.
? Financing Solutions : Learn how to effectively communicate and utilize financing strategies, such as rate buydowns, extended locks, and custom programs to make homes more affordable for buyers.
? Sales Conversion Strategies : Proven techniques to engage hesitant buyers, overcome objections, and close more deals.
? Relationship Building : Discover how to foster trust and long-term relationships between your sales team and prospective buyers.
SALES STRATEGY AND ACTIONABLE INSIGHTS
Data-Driven Decisions: A Sales Strategy for Success
At CMG, we don’t just offer financing—we offer insight. Our Data-Driven Sales Strategy leverages market intelligence and deep industry knowledge to guide builders through every step of the sales process. We understand that no two projects are alike, and our strategy is designed to provide tailored solutions that align with your market.
Our Approach:
? Consultative Relationship: Acting as your strategic advisor, we don’t just facilitate financing— we help shape your overall sales strategy. From buyer engagement to post-sale support, we’re with you every step of the way.
? Market Research & Insights : Our proprietary market reports provide real-time data on buyer preferences, financing trends, and demographic shifts, helping you make informed decisions.
? Financing as a Sales Tool: Use our tailored financing programs to create urgency, remove buyer hesitation, and ultimately drive more sales.
The CMG Difference:
? A True Relationship: We act as an advisor who is deeply integrated into your sales process, working with you from day one to optimize results.
? Sales Support from Start to Finish: From pre-sale financing strategies to on-site training and post-sale follow-up, we provide comprehensive support to ensure your success and customer satisfaction.
STANDING INVENTORY PROMOTIONS
Through our unique Build & Lock program, you can lock DISCOUNTED rates on unsold homes for up to 90 DAYS – at no upfront cost to you.
f Available for conventional and government programs including fixed-rate programs and ARMs
f Add urgency to buyer’s decision process
f Compliant marketing of discounted rates, lower monthly payments, and monthly savings
SCAN QR CODE TO VIEW CUSTOM COBRANDED MARKETING ASSETS
The most advanced forward-commitment available to builders. Buy-down interest rates and advertise to buyers with ultimate flexibility.
f Lock terms of up to 360 days on purchases
f Minimum commitment of $1 million
› Commitments can be processed in bite-sized chunks weekly
f Flexible fee structure
› Forward commitment with no fee due at time of lock
› Fee paid 48 hours prior to each home closing
f Available for conventional and government programs including fixed-rate programs and ARMs
f Boost your buyer pool with more qualified buyers and more eyes on your properties
f Custom cobranded marketing assets
› Videos, flyers, MLS and contract language, landing pages, social media graphics, yard signs, Open House QR Codes (see below)
Through our five different temporary buydown options, you can temporarily reduce buyers’ interest rates for up to 36 months.
f 3/2/1, 2/1, 1/0, 1/1, or 1/1/1 terms
f Buyers can ease into homeownership costs
f Can be combined with permanent buydown options
f Available for conventional and government programs including fixed-rate programs and ARMs
PRESALE PROMOTIONS
Extended Rate Lock
CMG Home Loans’ partnership with Freddie Mac gives us the opportunity to allow credit docs to remain valid for up to 360 days, to secure financing for up to 12 months of construction.
One of the best extended lock offerings available. Lock rates for buyers up to 360 days. When combined with a finance incentive, you can guarantee prospective buyers discounted rates. Create certainty for your buyers and reduce your pipeline dropout
Including a longer timeline allows for greater flexibility during the construction process and gives our builder partners the security of starting and finishing the home without financing fallout.
Features:
? Available for 15 or 30-year terms
? No cost float down option if rates come down
? Reduce pipeline dropout risk due to interest rate movement
? Up-front rate lock deposit refunded at closing
*Not available in Iowa
? Available for Conventional, FHA, VA, USDA, Fixed, and ARM Loans
? Extended rate locks up to 360 days*
? Secure your pipeline
SPEC CONSTRUCTION FINANCING
Empowering Builders with Tailored Financing Solutions
At CMG, we understand the unique challenges builders face when embarking on new construction projects. Our Commercial Construction platform is designed to equip builders with flexible and robust financing solutions that support projects from acquisition to completion. With our expertise and industry insights, we empower builders to maximize potential and overcome market hurdles efficiently.
WHY CHOOSE CMG'S CONSTRUCTION FINANCING?
f All-in-One Relationship: Gain a comprehensive partner for your projects. CMG offers strategic financing, tailored solutions, and consistent support, ensuring you have everything you need in one trusted relationship.
f Higher Leverage Financing: Benefit from up to 85% Loan-to-Cost (LTC), ensuring that builders have access to the capital needed for substantial project scopes without significant upfront equity.
f Customizable Loan Solutions: Whether you're developing single-family homes, multi-family units, or large-scale residential communities, our financing solutions are tailored to your project's unique needs.
PROGRAM HIGHLIGHTS:
f Horizontal and Vertical Financing: We offer development and construction financing for your shovel ready projects.
f Less Restrictions: With our project-based underwriting you can avoid global underwrites and profit hindering restrictions like Spec/Sold Ratios or Start Limits.
f Lower Liquidity Requirements: Minimize cash out-of-pocket and maintain cash flow with our accessible financing structure.
f Leverage Land Equity: Finance the construction of your homes with the equity in your developed land.
f Exit Strategy Participation: We provide guidance to ensure a profitable and smooth project conclusion, maximizing return on equity.
LOAN FEATURES
Purchase and Refinance
f 6-24 month terms (w/ built-in extensions)
f Available for:
› Single-Family
› Townhomes
› 2-4 unit properties
› PUD
› Low Rise Condo (<20 units)
f Project sizes up to $200 MM
f Max loan up to $3MM per unit
f Max LTC 85%
f Auto-Draw Process
f Recourse and Non-Recourse Options
CUSTOM CONSTRUCTION
Programs
CMG Total Conventional One-Time Close:
f Up to 95% Loan-to-Value (LTV)
f Min. 700 FICO
CMG Total FHA One-Time Close Construction:
f 96.5% Loan-to-Value
f Min. 660 FICO
f Available on New Single Family and Manufactured Homes
WITH OUR CONSTRUCTION LOAN PROGRAMS AND DEDICATED, IN-HOUSE CONSTRUCTION FINANCING TEAM, YOU CAN HAVE A SEAMLESS, SMOOTH PROCESS.
CMG Total One-Time Close Construction Suite
Through our CMG Total Construction-to-Permanent One-Time Close suite of loan options, clients can buy land, build a home, and finance a mortgage, all with the ONE LOAN.
Details:
f Low and no down payment options mean you can finance a significant portion of your dream home build
f Streamline Process: One application, one approval, one set of closing costs
f No Requalification After Construction: Move into your new home without the need to requalify for a second loan. Available for primary residences and second homes
f Interest-Only Payments During Construction: Lower Payments during the build phase
f Land/lot purchase (if needed)
f Construction financing
f 30-year, fixed-rate loan
f Single-family, primary residence
CUSTOM CONSTRUCTION
Lock
All In One Loan One-Time Close Construction
The All In One Loan One-time Close Construction-To Permanent program, or "C-Perm" for short, isn't your typical construction loan. Not only does it offer qualified borrows the financing needed to build their dream homes, but also an opportunity to lower their loan's principle balance more aggressively during and after contraction. The result? Faster equity growth and the protentional to save thousands of dollars in total interest.
Details:
f 30-year, 24/7 access to equity without refinancing
f Can include the purchase of land
f Loan amounts up to $3 million
Two-Time
Close Construction Loan
f Available for primary residences and second homes
f Single-family residences or 2-to-4-unit properties
f 720 minimum credit score
f 80% max LTV
Our two-time close construction loan is another great financing option for the purchase of land, construction, and permanent mortgage.
Financing details
f Available for single-family primary residences and second homes (1-4 units)
f Conventional 680 minimum score
f Conventional 89.99% max LTV (1-unit primary residences)
f Jumbo 720 min FICO
f 80% LTV to $1.5mm loan amount on Jumbo
f Can include purchase of a lot
f Easy draw process, access, your portal anytime
f Conventional & high-balance options
f Two closings, two applications/ prequalifications, two sets of legal documents
› 1st closing is for land/lot purchase and can include purchase of lot
› 2nd closing is for the permanent mortgage
RENOVATION LOANS
Comparison Chart:
COMPONENT
We’re proud to offer a suite of Renovation Loans for all your clients’ needs
Minimum Repairs No Minimum $5,000 No Minimum
Max Renovation Amount
Maximum FHA County Loan Limit 75% of the after improved appraised value
Max LTV
Type of Repairs
Purchases - 96.5%
Refinances - 97.75%
For purchases, LTV is based on the lesser of purchase price + cost of renovation or 110% of after completed value.
1 unit primary residence - 95%*
1 unit second home - 90%
1 unit investor - 85%
For purchases, LTV is based on the lesser of purchase price + cost of renovation of after completed value.
Non-structural work Any repairs, except for luxury items Any repairs
Luxury Items Repairs only
Property Age 1 Year Old
Occupancy Owner-occupied
Credit Requirements 620 or Non-traditional credit
Some luxury items allowed (in ground pools, outdoor areas, etc.)
Owner-occupied; Second home or Investment
and DU Approve/ Eligible findings
Consultant Not required HUD Consultant required Third-party Consultant
*Additional LTV requirements for 2-4 unit primary.
CONTINGENT BUYER PROGRAMS
CMG Home Loans has partnered with three great companies that can help you make stronger offers, maximize sales profits, move with more ease, and ultimately take the stress out of selling and buying a new home.
CASH OFFER PROGRAMS
BRIDGE LOAN BY KNOCK
CASH ADVANTAGE BY ZAVVIE
FORWARD BY ZOOM CASA
Description
Benefits
Similar to a traditional bridge loan, the Bridge Loan by Knock helps your clients finance a new home before they sell their current home.
› Use equity in current home to fund down payment on new home, pay for closing costs, or make home renovations.
› Can take the time to maximize profit on current home/wait for best offer rather than settle for the quickest sale.
› Make a stronger offer on new home that’s not contingent upon sale of current home.
› Can take out up to $500,000 with 0% interest for 6 months.
Cash Advantage by Zavvie helps clients purchase a new home with all cash.
› Make a stronger, all-cash offer on a new home that stands out to sellers.
› Can help owners buy a new home with cash before selling their current home.
› Can also help non-owners make a cash offer on a home.
Zoom Casa will buy client’s current home and give them up to 65% of the as-is value, renovate their home (if needed), sell it, and give them the additional profits.
› You don’t have to worry about all of the work that needs to go in to a client’s current home.
› Stronger offer on new home that’s non-contingent on previous sale.
› Clients can use the money to make an all-cash offer.
› Can take the time to maximize profit on current home/wait for best offer rather than settle for the quickest sale.
TM
SPECIALITY PROGRAMS
Proprietary Programs
Unique down payment gifting platform designed to help home buyers buy a home sooner with a larger down payment.
One-of-a-kind way to help sellers advertise discounted rates on their listings.**
The first-lien HELOC, functions as a checking account and mortgage to help clients pay off their own home or investment property faster.
f HomeFundIt : Complete with a closing cost grant up to $2,000 * from CMG and even more from a partnering builder, realtor, employer, or vendor.
› Target newlyweds, new parents, college grads, or even large employers with our affinity program
› Convert long (er) term leads who need to “save up”
› Additional grants can be subject to closing on one of your homes
f List & Lock : Unique program that allows sellers buy down and lock an interest rate for as low as $49 and receive customized marketing material for their house
f All In One Loan: Unique HELOC that allows for 24/7, 30-year access to equity, applies deposits to loan principal first, and can potentially save clients tens of thousands of dollars on excessive interest costs** *
©All In One Loan™ and the All In One Loan™ logo are trademarks of CMG Home Loans, NMLS# 1820. All rights reserved.
*Grant is a $2-to-$1 match on regular down payment gifts received on HomeFundIt™, up to the lesser of $2,000 or 1% of purchase price for first time buyers, as defined by Fannie Mae, who complete homebuyer education prior to signing a purchase contract. Talk to your loan officer or visit your HomeFundIt dashboard for next steps, or you can also find a housing counselor near you by visiting https://www.hud.gov/counseling.
Grant funds are applied to nonrecurring closing costs. If closing costs are fully paid by seller or interested party, grant funds can be used to buy down the rate. Grant funds cannot be used towards a down payment. Visit https://www.homefundit.com/Grant for complete terms and conditions.
**This lock cannot be transferred to another property address. While List & Lock™ can help buyers significantly, it is not a guarantee to lend. If a buyer is interested in purchasing the listed home at the advertised rate, they must still qualify for the loan. The benefit is that they won’t have to qualify for the loan based on the higher market rates; instead, they will be qualifying on the List & Lock™ rate. They will have several loan options to choose from through List & Lock™ -- Conventional, FHA, VA, and select adjustable-rate mortgages (ARMs). The same type of credit and discount can be applied to other loan programs, but rate adjustments could occur. If you’re concerned your closing could extend beyond the 60-day period, contact your loan officer to discuss extension possibilities.
***Rate could rise during the life of the loan. The All In One Loan™ does not use a traditional amortization schedule. Principalis paid through deposits into the All In One Loan sweep-checking account. Interest is computed based on the nightly unpaid principal balance. Each day’s interest is totaled once each month ends.
SPECIALITY PROGRAMS
f Buyers Choice FHA: Help your buyers purchase their new home with $0 down. Down payment assistance is forgivable after 5 years and has no income or geographic restrictions
f Energy Efficient Mortgages: Adjusts qualification ratios on FHA and VA programs based on savings in HERs report helping your buyers qualify
f Condo Pre-Sale Restrictions: Ability to close prior to presale in new condominium projects (conventional programs only, owner occupied)
f MedPro Advantage: Physician home loan with low down payment and no monthly mortgage insurance
f In-House Alternative Financing Products:
› Close more deals with access to creative financing.
› i.e. Lot Loans, Reverse Mortgages, Foreign Nationals, Investors (LLC’s), No-Income Doc Loans, Bank Statement, Asset Depletion Loans
f Halal Financing: Using the Ijara method
f Rate Rebound: Buy now, refinance later with no lender fees. No appraisal, tax cert fee, or credit reporting fee*
f On-Time Closing Guarantee: Guaranteed on time closing with full application. If we are late, we’ll give the buyer a $2,000 credit **
f Escrow Holdback: Limited escrow holdbacks on Conventional Loans. 100% of cost with 6 months to complete
*CMG Home Loans will cover all customary lender fees which are lender administrative fee, tax service fee, appraisal fee and credit report fee. This offer does not cover discount points. Credit cannot exceed total fees. Rate Rebound is only valid on future conventional conforming, government, and jumbo loans in our retail channel (future Construction Loans, All in One, HELOCs, Bond or HFA loans are excluded). Rate Rebound is only available on loans originated by CMG Home Loans. There may be additional restrictions based on investor. Offer may not be redeemed for cash or credit and is nontransferable. Offer cannot be retroactively applied to any loans. Offer may not be used with any other discounts, promotions or interestonly/buy-down and second lien products. This offer is subject to changes or cancellation at any time at the sole discretion of CMG Home Loans. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Program will be available on loans disclosed on or after 11/1/22. Program is applicable for one refinance 6 months after closing up to 5 years from original note date and with a net tangible benefit which includes a rate reduction of 0.5%, going from an ARM to fixed rate, reducing loan term, movement to a more stable product, or a lower principal and interest payment. By refinancing the existing loan, the total finance charges may be higher over the life of the loan.
**The On Time Close Guarantee is valid for FHA, VA and Conventional (Agency only) Purchases only (No loan contingency). All required credit documents and the property appraisal must be received by CMG within 4 days of the closing date. The guarantee will be reduced if the closing costs do not meet or exceed the amount of the guarantee. The On Time Close Guarantee will not apply in any of the following cases: (1) Changes to the original closing date, contract, or loan terms. (2) Delays due to unforeseeable events, including weather or natural disaster. (3) Delays caused by third parties, including but not limited to appraisal and title services. (4) If loan application is withdrawn or denied. CMG reserves the right to amend, terminate or withdraw the On Time Close Guarantee at any time without prior notice. This Guarantee expires 12/31/2025. Consult with your loan officer for more details.
MARKETING THAT CONVERTS
f Embeddable mortgage calculator for your website
› Payment
› Purchasing Power
› Rent vs Buy
› Refinance
› 15 vs 30-year comparison tool
› Bi-Weekly vs Monthly Payment
f Engaging Content
› Home Buying Strategies
› Video FAQs
› Rent v Buy
› Cost of Waiting
› Equity Accumulation
› LIVE Webinars for prospective buyers
f Drip Marketing / Campaigns: Customizable co-branded marketing campaigns; gifts, mailers, email, text, video – from 1 week to 10 years
› Collect, Drip, Nurture, Educate, Convert, FollowUp, Engage & Generate Referrals
› Hundreds of campaigns for every stage of a buyer's journey
› Automated and customizable milestone updates
› Gifting automations for pre- & post-closing milestone achievements
CONFIDENCE
Blueprints are just the beginning. Lay the foundation for your success with CMG and unlock financing, strategy, and support that build more than homes - they build success. Discover how our innovative solutions can elevate your projects.
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