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

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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.

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

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

Loans Pros

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

Loans Cons

They tend to have stricter credit and income requirements.

  • FHA loans <p>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.</p>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.

Loans Pros

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

Loans Cons

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

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

Loans Pros

They have no down payment requirement and no mortgage insurance.

Loans Cons

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 <p>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.</p>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.

Loans Pros

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

Loans Cons

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:

Local Lenders Who Know Maine & New Hampshire

CMG Home Loans Jasmine Lender

Jasmine Talon

CMG Home Loans logo

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
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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

Nicole Ames

Nicole Ames

Meredith Village Savings Bank Logo

Mortgage Loan Officer

Loan Programs:

  • One Close Construction Loans
  • Rehab Loans
  • Conventional
  • Land Loans
  • Jumbo Loans
  • FHA Loans/ 203K Loans
  • Rural Development Loans
  • Equity Limes and Equity Loans
  • Adjustable Rate Mortgage Loans

Our exclusive/specialty programs include:

  • Portfolio Loans (Unique Properties)
  • Single & Double Wide Mobile Homes Loans (private land, park or co-op)
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Loan Programs

Loan Officer, NMLS# 2370119 | Branch NMLS# 466022
21 Farmington Rd, Rochester, NH 03867