14+ Programs Available
Find Your Perfect Home Loan
From first-time homebuyers to seasoned investors, we have a loan program tailored to your unique situation.
Most Popular Programs
Our most requested mortgage solutions
Conventional Loans
Low down payment options, competitive rates
FHA Loans
As low as 3.5% down, flexible credit requirements
VA Loans
$0 down for eligible veterans and military
USDA Loans
100% financing in eligible rural areas
Jumbo Loans
For high-value properties in Bergen County
Refinance
Lower your rate or tap into your home's equity
Tri-State Down Payment Assistance Programs
State-level down-payment programs that cover your down payment and closing costs across NJ and NY. Up to $30,000 in forgivable assistance, depending on the program and your file.
Not sure if you qualify? Check the 2026 NJHMFA income and purchase-price limits by county.
NJHMFA Down Payment Assistance
NJHMFA currently describes up to $15,000 in base assistance by county, plus $7,000 for eligible first-generation buyers. Current funding and first-mortgage rules must be verified.
Learn moreNJHMFA First-Generation Homebuyer
Extra $7,000 stacked on top of base NJHMFA DPA for buyers whose parents never owned. Stacks to $22K-$24K total.
Learn moreNJCC Statewide DPA
$10,000-$30,000 forgivable grant from NJ Community Capital. Need-based, statewide. Alternative when NJHMFA does not fit.
Learn moreSONYMA Programs (NY)
All 9 SONYMA programs for NY first-time buyers. Up to $30,000 DPAL + 2% rate buydown special. Achieving the Dream, Conventional Plus, Homes for Veterans, RemodelNY, more.
Learn moreNon-Traditional Income Programs
Qualifying paths for buyers without a W-2: retirees and asset-rich households, self-employed business owners, and real estate investors.
Asset Depletion Mortgage NJ
Qualify with your portfolio instead of a paycheck. Liquid assets divided into monthly income — built for retirees and asset-rich, income-light NJ buyers.
Learn moreSelf-Employed Mortgages NJ
Bank statement and 1099 qualifying paths for business owners whose tax returns understate real income.
Learn moreInvestor & DSCR Loans NJ
Qualify on the property's rental cash flow, not your personal income. Portfolio and DSCR financing for NJ investors.
Learn moreSpecialty Programs
Unique solutions for specific needs
HELOC
Access your home's equity when you need it
Learn MoreNew Jersey FHA 203(k) Renovation Loan
How an FHA 203(k) renovation loan may help New Jersey buyers finance a home purchase or refinance plus eligible repairs in one mortgage, subject to FHA guidelines.
Learn MoreHomeReady Loan
Flexible funding with down payments as low as 3%
Learn MoreHome Possible
More possibilities with down payments as low as 3%
Learn MoreReverse Mortgage
Available for homeowners ages 62+
Learn MoreHomeFundIt
Gifts from family and friends fund your down payment
Learn MoreAll In One Loan
Get financial flexibility and pay off your home loan faster
Learn MoreHomeStyle® Renovation
Low down payments, big possibilities
Learn MoreReady to Start?
Begin through CMG Home Loans' secure application, or request a consultation with Jimmy before you apply. Credit review, timing, eligibility, and loan terms depend on your application.
NMLS #1577754 · Branch NMLS #2477715 · Equal Housing Opportunity