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(443) 223-6593

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cmghomeloans.com/mysite/michelle-mathews-kalinock

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10203 Balsamwood Dr

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Home Buyers Handbook

The Home Buyer's Handbook is a guide to educate and inform you on what you need to know before buying a home and simply and effectively explains the homebuying process.

Divorce and Separation Lending Loan Options

Recently separate or divorced? Let's discuss your lending options to purchase, consult on a spousal cash buyout, and mortgage recast feature benefits.

Make your OFFER stand out with CMG Home Loan ELEVATED Pre-approval

Providing Piece of Mind with CMG Home Loans Elevated Pre-approval: More than a pre-approval, this is an actual loan approval from a CMG Home Loans Underwriter provided before you begin your home search. The underwriting approval can help your offer stand out, complete against Cash offers, and less document needed once your under contract.Borrower's financing must be Conventional, FHA, or VA loan and must have been issued a CMG Home Loan Pre-approval.Your Home: The Foundation of Your Financial SuccessMichelle Mathews-KalinockSr Loan Officer | Mortgage Advisor NMLS 195916Licenses DC, DE, MD, PA and VA Branch 2476844 CMG Home Loans 1820128 Lubrano Drive Ste 201 Annapolis MD 21401

BUY your NEW home First, Sell current one after FIND out how a Mortgage Recast can benefit you

If you are buying your NEW home FIRST and then selling your current home after you move into the new house; then let's schedule a call to discuss how a Mortgage Recast can benefit you Conventional Loans only Cheaper than a refinance "one time fee" average FEE $500-$550 MINIMUM recast amount $10,000 or more Keep your Same Mortgage Rate and Term (if rates are the same or higher) than you save a few "thousand" dollars not having to refinance to a potentially higher rate and payment Apply the amount of your "sale of home proceeds" to the new mortgage BUT lower the payment (If you just "pre-pay an extra amount this will NOT lower the payment just the loan balance) and lessen interest. Lower Your payment and Lower your Balance and Interest In most cases, you'll need to make 1 or 2 mortgage payments (of the new house mortgage), and you'll request the Mortgage recast application, upon approval then "apply your principal" to affect your mortgage payment. "Lowering it". In many recent client situations I've just helped; they financed 95% on the new home and then when the sold they've applied $100,000, 200,000 or more to lower the loan and lower the mortgage payment, and eliminated the PMI they started with. Fact: ** the only way to remove PMI when you start with PMI is a mortgage recast or you'd have to wait for 2-5 waiting period" and specific equity position and additional criteria.Who you work with Matters!Choose LOCAL100% Focused on only MortgagesDirect Lender (very few credit overlays)Speed & Communication can give a competitive edge in your contract offer working with meCMG Home Loans "TBD" underwritten pre-approval (helps you compete against Cash offers)Your Home: The Foundation of Your Financial Success Any questions, have a scenario, ready to start your pre-approval, please reach out to me AND Check out my website and resources:http://www.michelleyourloanranger.com Follow me for more tips on Instagram and Tik Tok @michelleyourloanranger “YOUR Loan Ranger” of Mortgages; Making Loans Happen!Michelle Mathews-KalinockSr Loan Officer | Mortgage Advisor NMLS 195916 Branch 2476844 CMG Home Loans 1820128 Lubrano Dr Ste 201 Annapolis MD 21401

Reviews

"Michelle and her team were very engaged and attentive to my questions and provided great explanations of the policies and procedures needed to execute the house purchase."

reginald h

"Michelle and her team were very responsive to answering my questions and with providing detailed information as they guided me through the home buying process from start to finish. I had an excellent experience working with her and her team. I would definitely recommend her to friends and family members seeking to purchase homes. "

reginald a hughley

"Yall went above and beyond and got me a house!"

hail a

"Michelle did a great job .She went above and beyond to make sure I can met all the requirements for my loan .She kept me posted about everything during the process. I highly recommend her ."

anas a

"The service and personal attention we received from Michelle was exceptional and beyond what we were expecting! Her knowledge of the local and national market and her commitment in finding us the best rate helped us in my search for our dream home .I'm glad we chose her services and would recommend Michelle anyone buying a home. "

anas abdulrazzaq

"Michelle was amazing and very quick to respond. She made things very simple and I felt she had my best interest at heart through this whole process. Worked all the way through the weekend and late nights to get our deals ready for our home purchase!"

jacob r

"We got to closing in time."

christopher e

"Michelle was always looking out for us and she was always available. I would highly recommend her for future home buyers."

michael w

"Michelle has been amazing in our home buying process. This was our first time buying a home and her expertise was so helpful. She made everything easy to understand, and her quick response was greatly appreciated in our fast closing. "

shannon wright