* 1/8% discount applied to par interest rate. Lender credit is determined by taking .25% of the loan amount. Maximum credit of $3,000. Discount will be applied as a lender credit on the Closing Disclosure at closing.  No part of lender credit can apply to or offset down payment. Some loans are ineligible for closing cost credits including state bond loans and brokered loans. Valid on applications taken after November 1, 2023, and loan must close and fund with branch 2156 on or before promotion expiration of December 31, 2024.  Valid when choosing an CACP participating agent in addition to working with an CACP Mortgage Advisor. Realtor credit is determined by taking .5% of the purchase price. Maximum credit of $5,000. No part of realtor credit can apply to or offset down payment. Referrals made after preapproval with CACP Mortgage Advisor. Not available in all markets. Special incentive offer subject to change without notice. Offer not valid with any other incentives or discounts. Valid on applications taken after June 1, 2023, and loan must close and fund with branch 2156 on or before promotion expiration of December 31, 2024. 

[1] Pre-approval is based on a full review of the borrower’s creditworthiness and is contingent upon there being no material changes in the borrower's financial condition or creditworthiness at the time of final loan approval. Final loan approval is subject to the following conditions: (1) borrower has identified a suitable property, and a valid appraisal supports the proposed loan amount; (2) a valid title insurance binder has been issued; and (3) borrower selects a mortgage program and locks in an interest rate that will support the pre-approved monthly payment amount. Loan must close before the expiration date provided in the pre-approval. Please note that submitting verifying documentation is not a requirement to receive an estimate of closing costs associated with a mortgage loan.

[2] Credit score improvement through rapid re-score process. No guarantee for credit score improvement. Certain restrictions may apply. 

[3] Closing date depends on each individual borrower’s circumstances and is not guaranteed.

[4] Eligibility subject to program stipulations, qualifying factors, applicable income and debt-to-income (DTI) restrictions, and property limits.

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[5] 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 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.