Find Your Dream Home with Our Trusted Lenders.

Secure the best mortgage rates and a smooth loan process with our expert local lenders in Maine and New Hampshire.

Personalized Service: Our local lender partners work closely with you to understand your unique financial situation and find the loan that fits your needs.

Expertise in the Local Market: Our lender partners have a deep understanding of the real estate market in your area and can provide valuable insight and guidance throughout the homebuying process.

Faster Approval and Closing Times: Working with a local lender means a more efficient loan process and faster approval and closing times compared to working with big national banks.

The Most Common Loan Types

Conventional loans
These are loans that are not insured or guaranteed by the government and are typically offered by banks and other private lenders.

They typically have lower down payment requirements and more flexible terms compared to government-insured loans.

They tend to have stricter credit and income requirements.

FHA loans
These are loans that are insured by the Federal Housing Administration and are designed for homebuyers with lower credit scores or limited savings for a down payment.

They have lower credit score requirements, and smaller down payments than conventional loans.

They have a higher mortgage insurance fee and may include a mortgage insurance premium for the life of the loan.

VA loans
These are loans that are guaranteed by the Department of Veterans Affairs and are available to eligible veterans and active-duty military members.

They have no down payment requirement and no mortgage insurance.

They have conditions that the house must qualify based on health and safety, specific required inspections, and regulations like funding fee that needs to be paid.

USDA loans
These are loans that are guaranteed by the U.S. Department of Agriculture and are designed to help low- and moderate-income homebuyers in rural areas.

They have no down payment requirement and offer lower mortgage rates compared to other loan types.

They are only available in rural areas, and they also have income restrictions.

It's important to note that this is not a comprehensive list of all loan types, and your local lender will be able to provide more detailed information about the loan options that are available to you based on your specific financial situation.

1st Time Home Buyer, Veteran, or Need Assistance?

Both the state of Maine and New Hampshire offers loan and assistance programs to help individuals and families afford a mortgage. These programs may include:

First-time homebuyer programs, which may have more favorable terms for those who have never owned a home before.
Programs for veterans, which may provide financial assistance to veterans to help with the down payment or closing costs.
Programs for low-income families, which may provide financial assistance towards down payments or closing costs.

These programs are generally available through state-run entities, such as the Finance Authority of Maine or the New Hampshire Housing Finance Authority and it is recommended to check with your lender for the most up-to-date information on what is available.

Links to learn more:

ME: https://www.mainehousing.org/programs-services/homebuyer/homebuyerdetail/first-home-loan-program
NH: https://www.gonewhampshirehousing.com/our-programs/mortgage-programs

Local Lenders Who Know Maine & New Hampshire

Jasmine Talon

Residential Mortgage Loan Officer

Loan Programs:

FHA loans
VA loans
USDA/RD loans
Conventional (including Freddie Mac HomePossible and Fannie Mae HomeReady)
Jumbo
203K/Renovation
Construction financing
Buydowns in a 1-0, 2-1, or 3-2-1 option (purchase only)

Our exclusive/specialty programs include:

All In One
HomeFundIt

Contact Jasmine

Apply Now

Loan Programs

Loan Officer, NMLS# 1683094 | Branch NMLS# 1815933
40 Congress St, 3rd Fl, Portsmouth, NH 03801

CMG Mortgage, Inc. dba CMG Home Loans dba CMG Financial, NMLS# 1820, is an equal housing lender. Licensed by the New Hampshire Banking Department. Massachusetts Mortgage Broker and Lender MC1820. To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org