KICK YOUR TRADITIONAL
MORTGAGE TO THE CURB!
Switch to an All In One ™ loan and save
thousands in mortgage interest.
*Don’t worry, there’s no commitment by starting an
application. It just allows us to evaluate your current
situation and see if an All In One ™ loan is the right fit for you.
*Don’t worry, there’s no commitment by starting an application. It just allows us to evaluate your current situation and see if an All In One ™ loan is the right fit for you.
LET’S FACE IT.
TRADITIONAL MORTGAGES ARE OUTDATED AND EXPENSIVE
Most American families make consistent payments on their home for years and don’t even make a dent in their mortgage debt. There has to be a better way to finance your home or property, right?
FACTS THE BANK WANTS YOU TO FORGET…
The average American homeowners end up paying over $150K in interest for their traditional 30-year mortgage.
For approximately the first 20 years, most of your mortgage payment isn’t even paying down the principal.
HAVE YOU HEARD ABOUT ALL IN ONE™?
The simplest way to explain it is you’re essentially combining a checking account with your mortgage. It’s banking and borrowing combined into one dynamic account.
THE OLD WAY
With a traditional mortgage, the interest is calculated each day based on the outstanding principal. But you only pay once a month on your mortgage, so your principal just sits there collecting interest every day. You can make extra mortgage payments, and that helps reduce the principal amount, but most people just don’t have the extra money to do that on a regular basis.
THE NEW WAY
Every month all the money that normally gets deposited into your checking account (I.E. paychecks, etc.) is applied to the principal of your loan until you use it. So, if you have a few days, weeks, or months from the time the money comes in, until the time it goes out, it actually works to reduce your principal balance while it “waits”.
Without changing any spending habits, your interest is consistently calculated on a lower principal amount, and just that little change means you pay off your loan YEARS faster and save THOUSANDS on interest!
*Don’t worry, there’s no commitment by starting an application. It just allows us to
evaluate your current situation and see if an All In One ™ loan is the right fit for you.
ALL IN ONE™ IS THE SMART DECISION FOR NEW HOMEOWNERS
Low-cost home ownership
When payments are applied to principal first, interest is calculated on a lower loan balance, saving you thousands.
Pay off your home faster
With less money going towards interest, every monthly payment reduces the overall balance, faster.
24/7 Access to home equity
It works like a checking account. Withdraw money whenever it’s needed without having to refinance
Free up additional income
All of your money isn’t tied up in your home. Reinvest in your property, fund another investment, Open a retirement account etc.
WHO CAN BENEFIT FROM THE ALL IN ONE™ LOAN?
Primary Homeowners
Buy your primary residence and pay off your mortgage in half the
time!
Non-Owner Occupied
Use it to by a second home or a non-owner occupied vacation property.
Real Estate Investors
Pay less interest and increase the return on investment for your properties.
WHAT OTHER HOMEOWNERS ARE SAYING ABOUT THEIR
ALL IN ONE™ LOAN
"Rob did a fantastic job, kept us informed daily on where our loan was in the system, kept us up to date on the interest rate movement and what forms we needed to complete the loan. He helped us maximize our equity in our home by showing us all of our loan options."
Gary and Jamie Chapman
"Rob Dumas was incredibly knowledgeable and helpful throughout the whole process. I am happy with all the work and effort on his part to get me the best loan for my needs."
Gina Goodman
"Great! Rob did everything expected and even drove 2 hours to complete a water test needed on property to meet our closing deadline. Great work!"
Jamie Coffey-Kelly
"Great! Rob did everything expected and even drove 2 hours to complete a water test needed on property to meet our closing deadline. Great work!" - Jamie Coffey-Kelly "This is the second time I have worked with Rob on my loan and I won't work with anyone else. Rob is absolutely great, he explains every step of the process and always puts up with my questions, no matter how many I may have. Because of certain circumstances we thought we had to go one with one type of loan, which wasn’t the best scenario but it still worked. Rob took the extra time to help me fix things I needed to and was able to get me into much better loan that I am very pleased with. CMG Financial and Rob Dumas are the best to work with. You won't regret goring with them."
BOBBi Jo Langston
IMPORTANT INFORMATION YOU’LL NEED TO KNOW
REGARDING ALL IN ONE™
Variable Down payments.
Available for loan amounts up to $2 million.
Works for primary and non-owner occupied.
Requires no change to current spending habits.
SAVVY HOMEOWNERS AND INVESTORS ARE DISCOVERING THE VALUE OF ALL IN ONE™ LOANS
Build equity fast and have instant access to it at all times.
Cash buyers can use it as delayed financing to recoup up-front cash investment with no seasoning.
Buyers can put les down up-front, and park extra funds in the loan after close which will remain liquid.
All In One™ Loans typically close faster than traditional mortgages.
There’s no non-conforming or regional loan limitations.
Save THOUSANDS in interest and pay off your mortgage in a fraction of the time.
GETTING STARTED IS EASY
- 2 SIMPLE STEPS -
1. SUBMIT APPLICATION
There’s no obligation, we just need to get some information from you to ensure it’s a right fit before we waste your time and our time if the numbers don’t add up.
2. FREE CONSULTATION
If it looks like your current financial situation is a good fit for an All In One ™ loan, we’ll be in touch to set up a free consultation where we can explain all of your options.
ALL IN ONE GIVES YOU THE FLEXIBILITY AND CONTROL
YOU WANT IN A HOME LOAN
Pay off your mortgage faster and stop giving the bank all your hard-earned money in the form of interest.
SUBMIT YOUR APPLICATION BELOW, AND LET’S TALK!
*Don’t worry, there’s no commitment by starting an application. It just allows us to
evaluate your current situation and see if an All In One ™ loan is the right fit for you.
CMG FINANCIAL • 3160 CROW CANYON ROAD SUITE 400, SAN RAMON, CA 94583 • NMLS# 1820 WEB ACCESSIBILITY LICENSING PRIVACY POLICY TERMS OF USE
CMG FINANCIAL • 3160 CROW CANYON ROAD SUITE 400, SAN RAMON, CA 94583 • NMLS# 1820
WEB ACCESSIBILITY
LICENSING
PRIVACY POLICY
TERMS OF USE
CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal housing lender. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025.; AK #AK1820; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Hawaii Mortgage Loan Originator Company License No. HI-1820. Mortgage Servicer License No. MS068. Massachusetts Mortgage Lender License #MC1820 and Mortgage Broker License #MC1820; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; Licensed by the NJ Department of Banking and Insurance; Licensed Mortgage Banker – NYS Department of Financial Services; Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000; Licensed by the Oregon Division of Financial Regulation #ML-3000; Rhode Island Licensed Lender #20142986LL; Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending, and Licensed by the Virginia State Corporation Commission #MC-5521. Licensed by the Washington Department of Financial Institutions under the Consumer Loan Act No. CL-1820. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. NMLS Consumer Access (www.nmlsconsumeraccess.org).