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Buying a home will be one of the biggest and most rewarding decisions of your life. For over 30 years, CMG has worked with homebuyers of all kinds to help make their dream of homeownership a reality.

When working with CMG to buy your Empire home, you can expect clear explanations of your financing options, programs crafted specifically with new home construction in mind, and support that empowers you to make the right decision for you and your family.

We’ll be by your side beyond when we can say… Welcome Home!

About Jeffrey P. Conn

Sales Manager/Loan Officer, NMLS ID# 151144, GA# 30620 (www.nmlsconsumeraccess.org)

jconn@cmghomeloans.com | (770) 373-5500

821 Atlanta Street, Office 111 & 112, Roswell, Georgia 30075 | Branch NMLS: #2476564

Jeffrey P Conn is an Atlanta native who thoroughly understands the area’s growing and diverse real estate market. He graduated from the University of Georgia and has more than 23 years of mortgage sales and management experience. As the Roswell Branch Manager, Jeff works hard to ensure his customers, as well as his employees, receive the highest level of service and professionalism. He enjoys helping families achieve the dream of homeownership, but also takes pride in training new Mortgage Loan Originators to do the same. Jeff is an 18-time recipient of the Mortgage Bankers Association of Georgia’s Gold Award and has proudly closed more than $2 billion in mortgages for metro-Atlanta home buyers.

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Be a calculating borrower when

SHOPPING FOR A HOME.

Shopping for a home can be overwhelming. Understanding how much you can afford, what your payments will be and how they will affect your financial goals are important factors to consider. But where do you find that information?


I have created an easy-to-use and easy-to-access Payment Calculator section on my website that puts all this information at your fingertips! These calculators include:

MORTGAGE PAYMENT

RENT VS BUY

15 VS 30 YEAR

9 Steps to Buying

Your Empire Home

Get Pre-Approved and Lock in your Rate

We'll learn your price range and which loan program makes the most sense for your scenario. At this point, you will start the loan application and have the ability to lock in an interest rate.

Home Shopping

Work with Empire sales people to find your dream home. They will help you understand which homes fit your budget, then show you available homes and options.

Choose Your Empire Home & Finish Your Application

Once you've found the perfect Empire Home, you'll finalize your loan application. We'll work to help you get the financing you need!

Processing

Our Processors will verify all of your application information, including personal and financial documentation, to confirm that everything provided is accurate and up to date.

Underwriting

An underwriter on our team will review your loan documents. There may be more questions or additional requests from you. If so, we will reach out in order to keep your home buying journey on track!

Loan Approval

Once our underwriters have cleared the loan, you'll be issued an approval, and the building process can begin.

Waiting Period

Your home is being built! It's important for you to maintain the same financial habits you've always had, as any changes might change your loan eligibility. If you have questions, we'll be available throughout the process.

Additional Documents

Forty-five days before closing, we will request updated documents to get your loan cleared to close and request updated change orders and amendments. An appraisal will also be ordered.

Closing & Funding

Closing disclosure and closing package documents are signed. You'll wire funds to escrow for the closing attorney. Afterward, you'll do a final walk-through and receive the keys to your new Empire home! Congratulations!

homefundit down payment gifting

Did you know that saving for a down payment is one of the biggest challenges future home buyers face? Whether you need to increase your current down payment savings or you’re starting from scratch, HomeFundIt is the down payment solution you’ve been looking for.

DOWN PAYMENT ASSISTANCE REINVENTED

HomeFundIt is an online down payment gift tool that helps potential homeowners increase their down payment savings. Whether you need to increase your current down payment savings or you’re starting from scratch, HomeFundIt is the down payment solution you’ve been looking for.

It works like any other social network:

  • Connects directly with your social media accounts, like Facebook and Twitter, to allow users to share their campaigns with their network.
  • Family, friends, and anyone else can contribute to your campaign through the shared link.

Buy that dream home NOW!

If rates fall, you're covered with

Rate Rebound.

Start home shopping today without worrying about “missing out” on the best rate! With Rate Rebound expect*:

  • Easy refinance within a 5-year period
  • No lender fee to refinance to a lower rate
  • Appraisal, credit report, and tax certificate covered
  • Get $1,000 credit for any other associated refi costs

*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.

Lock In Your Interest Rate For Up To 12 Months

While Empire Communities Builds Your Home!

Our extended rate lock program allows you to make the most of this moment and purchase your New Tradition Homes property with confidence knowing exactly what your rate will be during the construction of your home. Past clients love the flexibility it offers and peace of mind as well!

  • Lock your rate in for 90 days all the way up 360*
  • Exercise a one-time float down within 45 days of closing**
  • The upfront deposit is refunded to you at closing as long as you close with CMG***

1 Rate sheet pricing applies. If the lock needs to be extended, CMG Home Loans rate extension fees may apply. 2 The one-time float down is available for borrowers with a lock period of one hundred twenty (120) days or greater. This program requires an upfront fee and a rate add on. Home buyers can exercise a one-time float down within 60 days of closing. The new rate is based on the rate sheets on the date that the home buyer elects to execute the float down. 3 Extended rate locks of 120 days or greater with a float down option require a rate add-on and up-front lock-in fee. A portion of the up-front lock-in fee may be refunded at closing. The refund amount is dependent upon the rate lock commitment period and rate add-on.

Discover available loan options from conventional to niche products.


LEARN MORE

Position yourself for success by using our home buying tools and calculators.


TRY NOW

CMG Mortgage, Inc. dba CMG Home Loans, NMLS ID# 1820 (www.nmlsconsumeraccess.org), is an equal housing lender. Georgia Residential Mortgage Licensee #15438. Licensed by the Virginia State Corporation Commission #MC-5521 To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing