Welcome Home
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 Willow Knoll 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!
Incentives
with The Campbell Team at CMG Home Loans
When you finance your Willow Knoll home with The Campbell Team at CMG Home Loans, a number of builder and lender incentives may be available to you.
Ask us about our current options!
Why work with us
rate rebound
construction
About The Campbell Team At CMG Home Loans
We are a dynamic duo, boasting a collective experience of over two decades in mortgage lending. Our partnership blends a wealth of industry knowledge, an unwavering commitment to exceptional customer service, and a robust work ethic, ensuring our clients realize their homeownership dreams.
Having facilitated numerous individuals and families, much like yours, in securing financing, we leverage our profound understanding of the mortgage market, diverse loan programs, and intricate lending guidelines to navigate even the most intricate transactions seamlessly.
Beyond our mortgage lending expertise, we proudly share a military background, with Kevin having served honorably in the US Navy for 27 years. This experience has instilled in us a profound sense of integrity, meticulous attention to detail, and a dedication to community service—all of which we infuse into every facet of our work.
A distinctive feature of our approach is our ability to operate across various states and markets. Whether you find yourself in Dallas/Fort Worth, Southern Oregon, California, or anywhere in between, rest assured, we have you covered.
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:
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.
9 Steps to Buying
Your Willow Knoll 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 Willow Knoll 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 Willow Knoll Home & Finish Your Application
Once you've found the perfect Willow Knoll 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 Willow Knoll home! Congratulations!
Lock In Your Interest Rate For Up To 12 Months
While Willow Knoll Builds Your Home!
Our extended rate lock program allows you to make the most of this moment and purchase your Willow Knoll 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
- 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 Additional fees will apply. Only one float down allowed per loan. Non-Agency/Jumbo loans, the All In One Loan, and Bond/Housing Finance Agencies programs are ineligible. 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.
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 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.
CMG Mortgage, Inc. dba CMG Home Loans, NMLS# 1820, is an equal housing lender. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. 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.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.