At CGM, we offer a full suite of home loan products to service the diverse lives of America’s homeowners. These include Conventional Loans, Jumbo Loans, FHA Loans, VA Loans, Construction Loans, Foreign National Loans, and a lot more.

To know more about our home loan programs, visit https://centralgroupmortgage.com/loan-programs/ or connect with our mortgage officer at +1 913-285-8098 to score the home mortgage product that will work best for you.

At CGM, we take every possible step to smoothen out your home loan process. Our loan experts carefully understand your needs and requirements and use our smart home mortgage calculator to calculate the home you can actually afford. They then offer you a customized home loan solution that suits your needs.

From finding the right loan solution to getting your pre-approval letter to closing your loan and providing immediate notification of any market rate movement, we do everything so that you can stay sorted and stress-free.

We offer our expert home mortgage services to anyone and everyone who’s looking forward to buying or refinancing a home. So whether you are a first-time buyer, a seasoned real estate investor, a foreign national, a gig worker, a veteran, a professional with a stable income, or someone who’s struggling with a bad credit score, we at CGM finance all American Dreams and dreamers.

We offer our expert home mortgage services for all major home types. These include:

• Single-family residences
• Multi-family homes
• Condominium
• Cooperative (co-op)
• Townhouses

However, if you want to buy or refinance a property beyond the above-mentioned categories, please feel free to reach out to our Home Loan Experts for quick help and assistance.

As a part of the process, you may need to speak with our Home Loan Expert, either online or by phone, to answer some questions.

Once your application is complete, we will call you once your loan has been pre-approved. We will regularly communicate with you over the phone and/ or by email (as per your convenience) to share all the updates and information regarding your appraisal, closing, and other things.

At Central Group Mortgage, we offer diverse home mortgage products to expertly meet the needs of our varied customers. Based on the home loan product, our loan requirements vary too.

So while our traditional loans require tax and income proof, a decent credit score, and a viable source of income, we also have low-requirement home mortgage products for borrowers who fall outside the traditional loan requirement.

Connect with our home loan experts to know your loan approval requirement or to find a home loan product that best meets your needs and financial goals.

Before starting your loan application, here are a few things that you would need on hand:

• A (separate) email address of the person/ persons who will be on the loan
• Your online banking credentials – username and password
• The details about how much money is in the account that you want to use for your approval
• Your income and employer information
• Your Social Security Number

While your credit score is one of the most important factors during loan approval, it’s not the only thing that helps you qualify. So even if you have a less than perfect credit score, no worries! At CGM, we can get you approved with a credit score as low as 580.

Still got questions? Speak with our home loan experts to know ways through which you can improve your credit score and get approved quickly and easily.

Getting pre-approved for a mortgage is one of the first steps toward successful home buying. It gives you clarity about your total house-hunting budget so that you can quickly find a house within your range. Serving as proof of funds,

it shows the seller that you are a serious buyer and can help you negotiate with confidence.

Applying with Central Group Mortgage is absolutely free! There’s no initial upfront cost involved. We offer free mortgage recommendations and pre-approvals to all our borrowers. However, as you move forward in the process of home buying,

certain fees will automatically roll in – just like other lenders. You can get in touch with our CGM loan experts at +1 913-285-8098 to get a precise estimate of the costs involved in your home mortgage process.

Your closing cost depends on whether you’re planning to buy or refinance a home. For example, if you’re buying a home, you would have to pay between 3% and 6% of the purchase price as the closing cost. However, if you’re refinancing, you might not need to pay anything out of pocket to close your loan. We automatically roll your closing cost into your loan to make the process easy and affordable.

Checking your credit is an essential step toward getting a home mortgage. However, this does lower your score by a few points, temporarily.

But worry not. Multiple credit checks done within a 45-day window are recorded only once in your credit report. So you can shop around for a mortgage without significantly affecting your credit score.

Once you apply with CGM and get approved, we’ll order an independent, third-party appraisal on your behalf, if required for your loan.

The appraiser will visit the property or the home you’re buying/ refinancing to assess the property and evaluate its market value.

Yes, we service most of our loans. From managing your payments to informing you of any change in amount or missed payment to managing your escrow account, we do it all so that you can stay absolutely stress-free.