HVCC Application, disclosures, & credit report ran, dated & signed after May 1st are subject to HVCC.  To order an appraisal visit the "Submit and Lock" page of this website to the left

Turn Times  What's estimated below might fluctuate.  Allow leeway & ask for some flexibility ahead of time from all parties involved in the transaction.  These tips help us remain fast:

1. Submit recent documents only
2. Scan, save and upload your conditions into 1 pdf file at one time
3. If you submit after 3pm turn times begin the next day
4. No rushes please. We work 7 days a week and almost around the clock already!
5. Last day for Streamlines to fund in June:

• Docs out by June 19th
• Docs back by June 24th
• Fund by June 29th

• A Level - 80% pull thru AND $2 Million monthly funded volume

• Priority service
• .125% better on all loans
• Forward locks for 21 or 30 days permitted
• Conventional Loan Underwriting: Same to 1 day
• Conventional Loan Conditions: 1 day
• FHA (full) Underwriting: 3 days
• FHA (full) Conditions: 2 days
• FHA Streamline Underwriting: 1 day
• FHA Streamline Conditions: 1 day
• Docs: 1 day
• Funding Review: 1 day

• B Level - 65% to 80% pull thru & New Brokers to CMG

• Standard service
• Lock only on submitted loans (file must be in by 3pm)
• Conventional Loan Underwriting: 2 days
• Conventional Loan Conditions: 3 days
• FHA (full) Underwriting: 4 days
• FHA (full) Conditions: 3 days
• FHA Streamline Underwriting: 2 days
• FHA Streamline Conditions: 1 day
• Docs: 1 day
• Funding Review: 2 days

• C Level - 40% to 65% pull thru - Must improve in 90 days

• Standard Service pre-empted when necessary by "A" & "B" business
• Lock only on approved loans (no forward locks)
• Conventional Loan Underwriting: 12 days
• Conventional Loan Conditions: 3 days
• FHA (full) Underwriting: 17 days
• FHA (full) Conditions: 3 days
• FHA Streamline Underwriting: 2 days
• FHA Streamline Conditions: 2 days
• Docs: 2 days
• Funding Review: 2 days

• Other restrictions and incentives apply
• For more information read the Broker Expectation section:  Click Here

 Intended for mortgage professionals only. Not for consumer distribution. Not a commitment to lend. Terms are subject to change. Check guidelines at www.cmgbanking.com for current terms.  “Home Ownership Accelerator” and the yellow flying house logo are trademarks of CMG Financial Services, Inc.12/1/06. CA DOC lic. Under CRLA #4150025; AZ Mortgage Banker License #0903132; Georgia Licensed  #1  #2