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Smart Financing

Well engineered transactions for today’s sophisticated real estate homeowner & investor.

Our Products and Programs

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Market Rate Conventional Conforming (Fannie/Freddie), Government-Insured (FHA, VA), and Jumbo

We are a direct lender (we underwrite and fund in-house) and have a tremendous number of correspondent and wholesale loan sources which allows us to be fast, efficient and competitive.
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Unconventional Properties

We love unique properties.  We can finance hobby farms, vineyards and ranches, as well as mixed-use, non-warrantable condos, leasehold properties and estates with substantial acreage.
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Investment Properties

If you are an investor, we speak your language.  We will strategize with you to maximize your return.  We have a wide array of investor products including low down-payment options (15% down up to $2.9 mil).
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Financing for Foreign Nationals

Residency status and U.S. assets, income and credit history are not required to finance a purchase of real estate in California.  We have products for you whether you are buying a vacation home or rental property.
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Alternative Documentation for Self-Employed

Many property owners do not fit within conventional underwriting boxes based on the bottom line of their tax returns.  We have funding sources that allow us to do “whole picture” evaluations and use alternative methods to analyze payment ability for the self-employed and investor borrower.
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Financing for Borrowers with over 10 Financed Properties

Conventional underwriting guidelines seem to punish the successful real estate investor by limiting the number of mortgages you can hold to 10 or less.  We have institutional lending sources who reject this standard limit and are excited to work with clients with large real estate portfolios.

Chris Hendricks

Chris has been involved in banking and the acquisition, development and financing of real estate for over 30 years.  He has degrees from Stanford University and UCLA and is a registered Architect.

The Loan Process

• Consultation and Pre-Qualification • Pre-Approval for Purchase • Loan Opening • Pre-underwriting and Submission • Conditional Loan Approval • Documents and Funding • Post-Closing

Family Restructuring

Clearing up misconceptions and understanding just a few of the rules for underwriting home loans may help in drafting an agreement  and planning more realistically for housing the future divorcee.

 

 

 

 

© 2023 CMG Home Loans

Contact Info

Welcome to our Website. We are glad to have you around. If you need to contact us, you can use the details below.

Phone Number:

818-665-6066

Office:

5700 Ralston Street Suite 100, Ventura, CA 93003 | Branch NMLS# 2475690

Email:

chris@chloan.com

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CMG Home Loans is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal housing lender. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. NMLS Consumer Access (www.nmlsconsumeraccess.org)