Finance
CMG Financial Mortgage Review 2024
Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate mortgages to write unbiased product reviews.
CMG Financial is a good mortgage lender that offers some less common and unique types of mortgages, including an offset mortgage. It also has down payment assistance and ranks high in customer satisfaction. But its average rates are slightly high.
CMG Financial
Types of Loans Offered
Conforming, jumbo, FHA, VA, USDA, renovation, HELOC, reverse mortgages, offset mortgage, All In One Loan™
- Unique mortgage offerings
- Up to $6,000 in down payment assistance for eligible borrowers
- High customer satisfaction ratings
- Average rates are slightly high
- Doesn’t display current rates online
Product Details
- Offers home loans in all 50 US states and Washington, DC
- Minimum credit score and down payment displayed are for conforming mortgages
- Has branches in every state except Alaska, Kansas, Kentucky, North Dakota, and West Virginia
CMG Financial Basics
Nationwide Lending
CMG Financial offers mortgages in all 50 U.S. states. You can apply for a mortgage online or get started over the phone. It also has branches in every state except Alaska, Kansas, Kentucky, North Dakota, and West Virginia. You can find a branch or loan officer near you using CMG’s search tool.
Variety of Loan Options
You can get the following types of home loans from CMG:
Unique Mortgage Offerings
CMG offers an offset mortgage called the All In One Loan™. An offset mortgage combines your loan with a checking account. The balance in the checking account offsets your mortgage balance, so you pay less in interest.
CMG’s HomeFundIt™ program provides you with a link to share on social media so friends and family can donate money for your down payment. Then, with CMG’s Exclusive Costs Covered program, first-time homebuyers can get $2 from CMG for every $1 donated, totaling a grant of up to either $2,000 or 1% of the purchase price, whichever is less. You also must complete a homebuyer education or counseling program to receive this grant. The grant money will go toward your closing costs.
Down Payment Assistance
CMG has a program called Community ONE which lets eligible borrowers put as little as 1% down on a home. The remaining 2% comes from CMG in the form of a grant of up to $6,000.
This program isn’t available nationwide. You can use CMG’s locator tool to see if it’s available in your area.
You can also get a Freddie Mac BorrowSmart loan from this lender, which comes with up to $1,500 in assistance for borrowers in eligible areas who meet income limits.
CMG Financial Mortgage Interest Rates and Fees
Based on our review of Home Mortgage Disclosure Act data, CMG Financial’s mortgage rates are a bit higher than average.
In 2022, the average borrower getting a conventional mortgage from this lender paid $3,938 in origination charges, according to HMDA data. This is around average compared to other lenders.
CMG Financial Overall Lender Rating
Loan Types: 4 out of 5
CMG Financial offers a wide variety of mortgages that should meet most borrowers’ needs, plus some less common loan types and a couple of programs that are unique to this lender, including the All In One Loan.
Affordability: 3.5 out of 5
We think CMG Financial is a decently affordable lender thanks to its low down payment mortgage options (including the three main types of government-backed mortgages) and down payment assistance programs. But its average rates are slightly high.
Customer Satisfaction: 4.96 out of 5
On its Zillow lender page, CMG Financial has a 4.96 out of 5-star rating, based on over 3,000 customer reviews.
Trustworthiness: 4.5 out of 5
CMG Financial does not have any recent public controversies.
The Better Business Bureau gives CMG Financial an A rating because there are some customer complaints on the website. BBB ratings indicate how a company responds effectively to customer complaints, advertises honestly, and is transparent about business practices.
CMG Financial Pros and Cons
Get an Offset Mortgage or Crowdfund Your Down Payment
CMG offers a couple unusual options for borrowers. If you’re looking to save money on interest, you might like its offset mortgage called the All In One Loan. These loans work in conjunction with a checking account, where the balance in your checking account lowers the balance of your mortgage that you’re charged interest on.
This lender also has a platform called HomeFundIt that lets you crowdfund your down payment. If your loved ones have expressed interest in helping you purchase a home, this could be a good way to do it. With the Exclusive Costs Covered program, CMG will grant you $2 for every $1 raised through HomeFundIt.
You Can’t Explore Sample or Customized Rates
This lender does not show its current rates online. Some lenders list sample rates, and others let you customize your rate by entering your credit score, ZIP code, and other personal information. CMG Financial doesn’t show any rates, though, which can make it difficult to compare it to other lenders without getting preapproved.
We also found that its average rates are slightly high compared to other lenders, according to HMDA data.
What Borrowers Are Saying About CMG Financial
Business Insider looked at positive and negative customer reviews, online forums, BBB complaints, and other sources to understand what borrowers think about CMG Financial.
Great Customer Service From Knowledgeable Mortgage Pros
In online reviews, previous borrowers said their experience with CMG was smooth, and that the loan officers they worked with were skilled and communicative.
How CMG Financial Compares
CMG Financial vs. Rocket Mortgage
Rocket Mortgage ranked No. 2 in customer satisfaction in 2023 according to J.D. Power’s Mortgage Origination Satisfaction Study, and it has a reputation for providing great customer service. It’s also our top pick in our guide to the best mortgage refinance lenders.
Rocket Mortgage and CMG both have 1% down programs; Rocket’s is called ONE+, and it comes with a maximum grant of $7,000, which is slightly higher than CMG’s Community ONE grant.
If you’re looking for a less common type of mortgage or you want to explore many different options, you might like CMG better, since Rocket’s offerings are relatively basic.
Rocket Mortgage Review
CMG Financial vs. Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is another great lender for customer service. It was No. 1 in J.D. Power’s 2023 satisfaction study.
Fairway also offers a strong range of mortgage options, plus a $7,000 grant for borrowers in eligible areas. It also has hybrid and remote closing options. It may be worth getting approved with both of these lenders to see which one can offer you the best overall deal.
Fairway Independent Mortgage Corporation Review
CMG Financial FAQs
Yes, CMG Financial is a direct lender. This means it originates its own loans, as opposed to a mortgage broker, which connects borrowers with multiple lenders to find the best fit.
Christopher M. George founded CMG Financial in 1993. He still acts as President and CEO of the company.
Based on our review of HMDA data, CMG Financial’s mortgage rates are on the high end compared to other lenders.
CMG Financial ranks high in customer satisfaction, and many online reviews say they have a positive experience with this lender.
Yes, CMG Financial has a few different unique mortgage programs, including its down payment crowdfunding platform HomeFundit and its offset mortgage, called the All In One Loan. It also offers a down payment assistance program called Community ONE.
You should shop around with multiple mortgage lenders and compare offers to make sure you’re getting the best deal. Consider exploring some nearby alternatives to CMG, such as a local lender or credit union.
Why You Should Trust Us: How We Reviewed CMG Financial
For our review of CMG Financial, we used our methodology for reviewing mortgage lenders.
We look at four factors — loan types, affordability, customer satisfaction, and trustworthiness — and give each a rating between 1 and 5, then we average these individual ratings for the overall lender rating. Lenders get higher ratings if they offer a large number of loan types with affordable features, have positive customer reviews, and don’t have any recent public controversies.
Finance
Quadient Recognized as a Leader in the 2026 SPARK Matrix for Accounts Receivable Applications
Quadient demonstrates continued innovation in AI-driven invoice-to-cash automation and unified finance operations
Paris
Quadient (Euronext Paris: QDT), a global automation platform powering secure and sustainable business connections, announced today it has been recognized for the fifth consecutive year as a Leader in the 2026 SPARK Matrix™ for Accounts Receivable Applications by technology analyst and advisory firm QKS Group. Quadient strengthened its position in the report year-over-year, with a notable improvement in Technology Excellence, reflecting continued innovation in its AI-driven invoice-to-cash solution.
According to QKS Group, Quadient’s leadership position highlights its evolution into a comprehensive, AI-powered platform that delivers strong predictive accuracy and straight-through processing. The analyst firm also emphasized the capability of Quadient’s solutions to unify accounts receivable (AR) and accounts payable (AP), offering finance leaders greater visibility and insights into their business finances to make faster, better decisions on working capital management.
Earlier this month, Quadient announced the release of its new cash dashboard capability for AR and AP that allows finance teams to bring together traditionally siloed data in a single view. An AI assistant summarizes key metrics and provides analysis that helps finance leaders accelerate cash on hand, improve forecasting, reduce risk and uncover opportunities to optimize working capital.
“Quadient has established a strong position in the 2026 Accounts Receivable Automation market through its focus on intelligent automation, cash flow optimization and integrated financial operations,” said Sanjeevi C R, associate vice president, Enterprise Research at QKS Group. “The platform’s evolution from predictive analytics to AI-driven autonomous collections execution represents a meaningful step forward in reducing manual effort across the invoice-to-cash cycle. What differentiates Quadient is its ability to combine collections management, cash application, and payment processing with a unified accounts receivable and accounts payable ecosystem, providing finance leaders with a more holistic view of working capital performance. By enabling greater automation, enhanced cash flow visibility, and more efficient receivables operations, Quadient continues to deliver measurable value for organizations seeking to modernize their financial processes and improve liquidity management.”
QKS Group highlighted the following key strengths for Quadient AR:
Finance
G7 Recommits to Development, Investment Finance to Drive Shared Prosperity
The G7 Leaders’ Summit took place in Évia
Finance
Protecting Bolivia’s forest watersheds with sustainable finance
Why financing matters for forest restoration
Over the past several years, Armonía and local communities have made significant progress restoring parts of the Tunari protected area. To date they have planted 1.25 million trees, with more than half of these planted in the Tiquipaya municipality. Community wildfire brigades have been strengthened, reservoirs built to secure water, and new systems created for communities to participate in watershed management.
One of the most important actions was strengthening the structure and function of a watershed governance body, known as Organismo de Gestión de Cuencas (OGC). This coordinates restoration activities and helps design sustainable development strategies for the communities living in the park, helping rebuild trust between them, park authorities and conservation organisations. Women leaders have played an important role in shaping this work.
However, a major challenge was highlighted – restoration takes decades, but most conservation funding arrives through short-term projects. Without stable long-term financing, restoration gains are difficult to maintain.
How the financing model would work
The proposed PES mechanism would collect small contributions directed into a transparent trust fund with independent governance. Resources would then be invested in three main areas:
- Forest restoration and protection – Communities would receive incentives for protecting existing forest and payments tied to successful restoration outcomes.
- Community sustainable development – Investments would support livelihood activities that reduce pressure on the forest, such as sustainable agriculture, water management and local enterprises.
- Strengthening park management – Funds would help support ranger capacity, wildfire prevention and long-term monitoring within Tunari National Park.
For communities, the system recognises their role as custodians of the watershed. For urban residents, it offers a practical way to support the ecosystems that provide their water. For public and private partners, it creates a transparent structure for long-term investment in landscape restoration.
Once fully implemented, the mechanism could generate an estimated £3 million per year for watershed protection and restoration.

Designing a Payment for Ecosystem Services mechanism
Over the past two years, Armonía has worked with municipalities, communities and regional institutions to explore how a PES mechanism could work in the Cochabamba region.
The PES concept is straightforward. Communities living in the upper watershed protect and restore forests that provide essential services such as water regulation, erosion control and biodiversity conservation. Downstream users who benefit from these services contribute financially to support that stewardship.
Through the Accelerator process, Armonía undertook studies, assessments and consultations across the Cochabamba metropolitan area’s seven municipalities. Many residents recognised that protecting the forest is directly linked to their water security. Based on these encouraging results, Armonía and their partners are developing a regional trust fund.
Building the institutions behind the mechanism
The financing system is only one piece of the puzzle – strong governance and community participation are also essential. With FIA support, Armonía is now helping communities develop ten-year sustainable development strategies that identify restoration priorities and income opportunities. A multi-stakeholder platform will oversee the initiative and guide decisions, while the park administration is also receiving support to strengthen monitoring, prevent wildfires and improve co-ordination.
A new model for watershed protection
The work underway in Tunari is about more than planting trees. It’s about building a durable system that links ecological restoration, community leadership and long-term financing. Once the mechanism is operational, it could transform how the Tunari watershed is managed. Instead of relying on intermittent projects, the region would have a locally supported financing system that rewards stewardship and protects the Kewiña forests that has supported life in the Andes for centuries.
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