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 4.75% (6.277% Annual Percentage Rate), you would make 360 monthly payments of $2,305.00. Payment stated does not include taxes, homeowners insurance, and mortgage insurance which will result in a higher payment

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 12/31/2024, and finance with CMG Financial.

If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. 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 Red 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.

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. If using flex cash, can only be used to lower rate or towards closing cost. 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).

**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). 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 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 on or after 11/1/22. 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.