Buying a home is a scary process. You’re taking on this whole new endeavor, ensuring that your family is comfortable and Michael and his team made this process smooth and almost painless. From application to closing was about 20 days and this in itself deserves praise.
He was very upfront at every major step and ensured that we had the most up to date information.
Through their persistence, patience and guidance we are now homeowners.
★★★★★
Damian M.
Buying a home is a scary process. You’re taking on this whole new endeavor, ensuring that your family is comfortable and Michael and his team made this process smooth and almost painless. From application to closing was about 20 days and this in itself deserves praise.
He was very upfront at every major step and ensured that we had the most up to date information.
Through their persistence, patience and guidance we are now homeowners.
★★★★★
Omar G.
I was very satisfied with Michael's professionalism. The loan process was smooth and swift. I would definitely recommend Michael to others. Also, a big shout out to Fawzia Akther.
★★★★★
Sunil R.
I had an exceptional experience working with Michael Kaye and his team on my recent home purchase. From our first conversation, Michael took the time to understand my financial situation and goals, and he guided me through every step of the process with patience and expertise.
His team was incredibly responsive—any time I had a question or needed a document, they were quick to follow up. They coordinated smoothly with my real estate agent and the title company, which made a potentially stressful process feel manageable.
Thanks to their hard work, we closed on schedule without any last-minute surprises. I'm grateful for their professionalism and highly recommend Michael Kaye and his team to anyone in need of a mortgage lender who truly cares about their clients.
★★★★★
Leslyn W.
CMG WAS INCREDIBLE TO WORK WITH GREAT JOB GUYS
★★★★★
Yewong L.
Michael Kaye was such an amazing Mortgage officer for my first home buying recently. Introduce to me by my real estate.
I am very fortunate and great pleasure to come across with him. I am very well satisfied with his effective response, even late-night question he was available to clear my doubts.
On top his advance communications. I really no need to ask many questions. I am amazed as well as appreciate with his excellent and effective work done. Within a month he made my life well settled.
I will definitely highly recommend to my good friends about his excellent Job.
★★★★★
Totaram L.
No complaints, good service, very helpful 👍
★★★★★
Md R.
I was fully satisfied with the whole process of approving the loan. Michael did a awesome job. I was always updated with what's going on with the whole process. I highly recommend Mr. Michael and his team.
★★★★★
Cynthia M.
I really enjoyed your service, you and your team are the best. Always ready to help in a timely manner and also prompt with communication, I will love to do this again with you! Your PR is top notch, look out for so many referrals from me. I love the transparency too. Thank you for your help always....I appreciate you 🙏 😊
★★★★★
Zulay A.
Michael went way beyond his ability to make sure our loan was approved. There were a few bumps along the way but, he never gave up on us. He someone you could trust and count on to do the job right. He’s the best!!!
Since entering the mortgage industry in early 2015, Michael Kaye has risen to become one of the nation’s top-performing mortgage originators. With over ten years of experience and a genuine passion for helping others, he has assisted thousands of families and funded hundreds of millions of dollars in home loans.
What sets Michael apart is his client-first approach. From the very beginning, he recognized the power of listening closely, understanding each client’s unique situation, and building a true partnership throughout the mortgage process. His belief that no two clients are alike fuels his commitment to finding the best possible loan solution tailored to each individual.
Michael continually sharpens his deep knowledge of underwriting guidelines and loan products, making him a trusted expert in a wide range of mortgage solutions.
Specialties include:
First-time homebuyer financing
VA loans for veterans and active-duty service members
Debt Service Coverage (DSCR) loans designed for property investors
Construction loans
Michael’s dedication hasn’t gone unnoticed—he has been named to Scotsman Guide’s Top Originators list from 2023–2026 and is a proud Chairman’s Club member for nine consecutive years, a distinction awarded to top-tier producers company-wide. These achievements reflect not only his consistent production and market expertise but also his unwavering commitment to client satisfaction, collaborative teamwork, and leadership within the organization.
Outside of work, Michael enjoys spending time with family and friends, staying active with basketball and racquetball, traveling during the summer months, and soaking up the sun at the beach.
If you’re planning a home purchase, considering a refinance, or simply want a clearer understanding of your options, Michael is here as a resource. He would be happy to review your situation, walk you through potential strategies, and help you chart a confident path toward your homeownership and long-term financial goals with CMG Home Loans.
Mortgage payment Calculator
Calculate how much your monthly mortgage payment could be.
*Results are hypothetical and may not be accurate. This is not a commitment to lend nor a preapproval. Consult a financial professional for full details.
Payment example: If you bought a $450,000 home with a 20% down payment, for a loan amount of $360,000, with a 30 year term at a fixed rate of 6.125% (Annual Percentage Rate 6.220%), you would make 360 payments of $2,189.00. Payment stated does not include taxes and insurance, which will result in a higher payment.
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 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!
