Karen Goff, CLA

Karen Goff, CLA

Loan Officer

NMLS ID# 1906348

100 McKeown Ln, Cardwell, MT 59721 | Branch NMLS# 2544146

About Me
I understand and honor that purchasing a home is one of the most important decisions of your life. Financially it will probably be your largest asset and, for a time, your largest liability. How you structure that will have a huge impact on your future. It’s also one of the most important personal decisions because, the place we are going to call home, matters. That’s why I dedicated my personal time and money to become a Certified Liability Advisor with the National Institute of Financial Education. In that role, I’m able to help you look at how your house, and the way it is financed, affects both sides of your balance sheet. Let me help you #BorrowSmart™ so you are set up for long term financial success! Food for thought: Beware the commodity trap! Homebuyers/owners have been trained to treat the mortgage, and the process of obtaining a mortgage, far too lightly. The way most mortgage companies across the country advertise is as if we are buying milk and eggs at the grocery store and decide to grab a new mortgage on aisle 5. In reality, the mortgage payment for most homeowners represents the single largest expense on our monthly budget and takes up the biggest portion of our paycheck. The mortgage itself is the largest amount of debt most of us will ever carry. On the positive side, the mortgage helps us secure an incredible asset (our house) that grows over time. The fact is, how we handle the financing of our real estate impacts virtually every other aspect of our financial lives. Beware compartmentalizing! Time after time, homeowners make decisions about their mortgage without truly understanding the potential impact on the rest of their financial situation and goals, such as getting out of debt, saving for college, or being able to retire someday…when they want and how they want! The mortgage industry typically looks at eligibility, but I want to help you evaluate suitability. My Process: I’ll start by learning about you and your hopes, plans and dreams. You need to know what your ideal future looks like in order to create the map to get there. Then I’ll walk you through the 7-Step BorrowSmart™ Process as we explore what loan options and financing strategies will work the best for your plan. We won’t just look at housing expenses, we’ll take the time to look at your entire financial picture and how it all works together for your brighter future. Don’t worry, after you close on your home, I’m still there for you! I’m always available for questions and we will want to meet at least once a year (or anytime you have a life change) to review your plan and adjust as needed. My Mission for You: More Money, Less Worry, Greater Joy

Giving back is an important part of CMG Financial’s culture and gives us a “why” to what we do. Since 2011, we have worked to raise nearly $3 million for non-profits that align with our values and are dedicated to improving the lives of those in need. At our annual Wine Tasting and Charity Auction, we sponsor: the Gary Sinise Foundation, the Cancer Support Community, and the MBA Opens Doors Foundation.

The Gary Sinise Foundation creates and supports unique programs designed to entertain, educate, inspire, strengthen, and build communities. Their R.I.S.E. program (Restoring Independence Supporting Empowerment), builds specially adapted smart homes for America’s most severely wounded defenders, veterans, and first responders.

The Mortgage Bankers Association's Opens Doors Foundation and its Home Grant Program provides mortgage and rental payment assistance to families with critically ill or injured children, allowing families to be by a child's side during treatment.

The Cancer Support Community San Francisco Bay Area’s mission is to provide holistic integrative care services, free of charge, to individuals affected by cancer. This network of support can increase chances of survival while reducing chances of recurrence and ultimately provide for the highest possible quality of life.

Delivering the right loans for the right reasons in a way that exceeds all expectations. That’s our business. Since 1993, CMG Financial, has served home buyers and homeowners nationwide with all of their new purchase and refinance needs. All CMG Loan officers specialize in new purchase and refinance mortgage needs as well as act as a financial counselor to help borrowers make informed decisions.

Our diverse mortgage menu helps us find financing solutions for almost every borrower. We are dedicated to finding more ways to open more doors for home buyers. Find out what “Every Customer, Every Time. No Exceptions, No Excuses.” means to us!




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