Our menu of government products gives sellers extensive options to grow their business.

CMG Financial is committed to providing a variety of loan products to accommodate your business needs. Government loans are an important aspect of today’s industry and our team is prepared to make these available to you. We offer a broad menu of competitively priced FHA, VA and USDA programs to help you serve Veterans, rural communities, and low and moderate income homebuyers. Our seasoned operations team has accumulated years of government lending experience. If you are interested in expanding your product menu to include government loan programs, CMG is the right partner for you.

All loan programs displayed on this website may not be available in every state.

VA Financing (including IRRRL)
VA Financing (including IRRRL)
  • Scorecard AUS “Approve/Eligible” or LP “Accept” - Follow AUS findings
  • Minimum mid credit score: 600
  • Cash out refinance max LTV 100%
  • VA IRRRL with minimum credit score of 600, No AVM required will allow use of previous loan amount as appraised value
    • 30 Year Fixed (High-balance and non-high balance)
    • 25 Year Fixed
    • 20 Year Fixed
    • 15 Year Fixed
    • 10 Year Fixed
    • 5/1 ARM 1/1/5 Caps and 2% Margin
    • 3/1 ARM 1/1/5 Caps and 2% Margin
    • Qualifying Rate: Greater of Fully Indexed or Note Rate
FHA Financing (including Streamline)
  • Minimum credit score 600/High Balance 620
  • FHA Streamline
    • Minimum credit score 600/non-owner 640/high balance 620
    • Manufactured Homes
    • Leaseholds
  • Pay off any Seller/Service
USDA Financing
  • Minimum term: 30 years/Maximum term: 30 years
  • Flexible credit criteria
  • Minimum loan amount: $40,000/Maximum loan amount: Governed by maximum allowable income limit
  • Program available to approved USDA lenders