Michael Lesmeister
Senior Loan Officer
| NMLS #194146
Branch NMLS #1194581
(832) 286-1601
mlesmeister@cmgfi.com
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Mortgage News Mortgage Insurance Refinance Market Updates First-Time Home Buyer Conventional Loan FHA Loan Purchase Home Design Selling Budget Financial Planning Loan Process Credit New Construction Home Maintenance Renovation Homeowners Insurance Investment Property VA Loan Down Payment Assistance Taxes All in One Loan Debt Management USDA Loan HELOC Loan Programs BuilderBuying a Home in the Current Market? Explore a Loan Less Dependent on Rates
Blog posted On October 20, 2022
A little over a year ago, the average 30-year fixed mortgage rate was just under 3%. Now, it’s trending several percentage points higher. This is the sharpest rate hike over the past four decades and comes as a shock to many home buyers and leaves them thinking it’s a bad time to buy. However, there is another alternative product, and if you use it correctly, it could actually be a great time to buy.
READ MOREHome Equity and Financial Safety: Which Loan Programs Can Help You Prepare for Uncertainty?
Blog posted On July 14, 2022
Economists are watching the jobs market closely for hints of a slowdown. In times preceding economic slowdowns, the unemployment rate will typically increase, quits rate will fall, and job openings will decline. During times of uncertainty, Americans typically search for more financial safety and less risk – bonds increase, stocks fall, etc. There are several home loan options that can help increase your financial safety as well.
READ MOREReverse Mortgages: How to Make the Best Use of Money in Retirement
Blog posted On July 07, 2022
As homeowners age, they begin to prepare for retirement. Most homeowners would prefer to be debt-free by retirement, but many still pay a mortgage. Reverse mortgages are one home financing option that is popular with homeowners who are 62 and older. But there are other options that can help you achieve a debt-free retirement.
READ MOREIntroducing the All In One Loan™ TX Homestead
Blog posted On June 16, 2022
Texas homeowners and buyers have enjoyed the benefits of second home financing with the All In One Loan™. Now, our All In One Loan™ (AIO) product is available for Texas primary residences (homestead properties) as well! If you’re a primary residence homeowner or buyer in Texas, the All In One Loan™ TX Homestead was made exclusively for you.
READ MOREIns and Outs of the All In One Loan™
Blog posted On April 28, 2022
There are hardly any loans that can compare to the All In One Loan™ in United States of America. It’s the Smarter Way to Borrow™ that everyone is talking about. And it’s likely to become even more prominent in the housing market this year and beyond.
READ MOREWhen to Not Pay Off Your Mortgage Early
Blog posted On July 01, 2021
If you had to choose between paying a mortgage and being mortgage-free, most of us would opt for the latter. Being free of monthly mortgage payments sounds ideal, but there are a few factors to consider before you start making extra payments.
READ MOREWhen to Not Pay Off Your Mortgage Early
Blog posted On July 01, 2021
If you had to choose between paying a mortgage and being mortgage-free, most of us would opt for the latter. Being free of monthly mortgage payments sounds ideal, but there are a few factors to consider before you start making extra payments.
READ MOREThe All In One Loan: Now Available for Investment Properties
Blog posted On February 19, 2019
Investing in real estate is one of the most predictable investments you can make. Unlike riskier investments like the stock market, real estate almost always tends to appreciate. Most real estate investors will finance their investment, at least initially, with a mortgage. Using the right mortgage financing for your investment property can help you increase your return even more.
READ MOREAdvantages of an All In One Loan
Blog posted On October 18, 2018
Do you want to own your own home, but don't want to drain your entire savings to accomplish this? You may want to consider an all-in-one mortgage. This product allows you to combine your mortgage and savings. Let's take a look a look at how it works.
READ MOREHow would you like to become an expert at selling the All In One Loan
Blog posted On August 23, 2018
A non-QM loan product designed to save your clients tens of thousands of dollars in interest payments?
READ MORE