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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.

2018 - Counties with Loan Limit Increases

Conventional Products
Jumbo Products


  • Scorecard AUS "Approve/Eligible" or LP "Accept" - Follow AUS findings
  • Minimum mid credit score: 600
  • Cash out refinance max LTV 90%
  • 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


  • 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/Servicer


  • 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

© CMG Financial, All Rights Reserved. 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 opportunity lender with corporate office located at 3160 Crow Canyon Road, Suite 400, San Ramon, CA 94583 888-264-4663. Licensed by the Department of Business Oversight 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; Illinois Residential Mortgage Licensee; Kansas Licensed Mortgage Company #MC.0001160; 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; and Licensed by the Virginia State Corporation Commission #MC-5521. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. For information about our company, please visit us at To verify our complete list of state licenses, please visit and NMLS Consumer Access (