Limited Time Offer

CMG Mortgage, Inc. dba CMG Home Loans, NMLS# 1820, is an equal housing lender. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org.

Disclaimer:

*FHA Payment example: Stated rate may change or may not be available at time of rate lock. If you bought a $450,000 home with a down payment of 3.5%, for a loan amount of $441,849 (including financed mortgage insurance), on a 30 year loan at a fixed rate of 5.25% (6.279% Annual Percentage Rate), you would make 360 monthly payments of $2,440.00. Payment stated does not include taxes, homeowners insurance, and mortgage insurance which will result in a higher payment

LEGAL & PRIVACY POLICY

© 2023 CMG Financial, all rights reserved. CMG Financial is a registered trade name of CMG Mortgage Inc., NMLS #1820 in most, but not all states. CMG Mortgage, Inc. is an equal opportunity lender. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org. All loans subject to credit approval and only eligible with CMG Financial, Red Gable Homes lender partner.  This incentive only valid on select spec homes that are contracted on or after 11/13/23 and close by 1/13/24, and finance with CMG Financial. The rates shown above are for educational purposes only, not a commitment to lend, please contact LO to see your qualified rate. Rate may change or may not be available at time of rate lock. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. The rates shown above are the current rates for the purchase of a single-family primary residence based on a 45 day lock period, 740 credit score and 80% LTV.  These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors. Offer is for a limited time only and can be stopped at any time and with no prior notice. Offers only valid when financing through Reg Gable Homes lender partner, CMG Financial. Please see a Red Gable Homes Sales Consultant for complete details. Offer may not be available with all programs in all states. All figures are estimates and subject to change at any time. The information here is provided as a general guide to help you determine if a property may be viable for you. Rates, APR’s & programs are illustrations subject to change at any time. These do not constitute a ‘Loan or Good Faith Estimate’ for payments and closing costs. Everyone’s situation is different and it’s best to be pre-approved for a range of potential prices, payments or loan programs. Flex cash offers vary per home and per community. The flex cash amount is contingent on the price of the home and only valid on participating homes and in participating communities. Speak to a Red Gable Homes Sales Consultant for details on participating homes and participating communities. If using flex cash can only be used to lower rate or towards closing cost. *Stated rate may change or may not be available at time of rate lock. If you bought a $599,990 home with a 30 year loan at a fixed rate of 5.5% (6.125% Annual Percentage Rate), with a down payment of 5%, for a loan amount of $579,964.00 you would make 360 monthly payments of $3,293.00. Payment stated does not include taxes and homeowners insurance, which will result in a higher payment. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors. Offer is for a limited time only and can be stopped at any time and with no prior notice. The flex cash amount is contingent on the price of the home and only valid on participating homes and in participating communities. Speak to a Red Gable Homes Sales Consultant for details on participating homes and participating communities. The flex cash can only be used in one of the three ways shown in this advertisement, applying towards closing costs, or long term rate locks or buying down the interest rate (specific interest rate and associated APR fluctuate on a daily basis and change due to individual situations). A 30 year loan would result in 360 monthly payments. A 20 year loan would result in 240 monthly payments, and a 15 year loan would result in 180 monthly payments. **0 Down USDA: Rate may change or may not be available at time of rate lock Payment example: If you choose a $400,000, 30 year loan at a fixed rate of 3.99% (4.715% Annual Percentage Rate), with a down payment of 0%, you would make 360 monthly payments of $1,907.00. Payment stated does include USDA Guarantee Fee. Payment stated does not include taxes and insurance, which will result in a higher payment. **CMG Home Loans will cover all customary lender fees which are processing fee, administrative fee, tax service fee, appraisal fee and credit report fee. In addition CMG Home Loans will also credit the borrower up to $1,000 towards additional third-party fees. 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). 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 interest-only/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 between 11/1/22 – 12/31/23, and closed by 3/29/24. Program is applicable for refinances 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. This is a limited time incentive program that can be stopped at any time and with no prior notice.