300+ 5 STAR REVIEWS
sEE WHAT OUR CLIENTS HAVE TO SAY
"Jill and her team are genuinely terrific. They made what has always been a frustrating process of getting a mortgage, seamless and honestly simple. Her communication throughout the process was top notch. I always knew where we were in the process. I don’t write reviews often, but in this situation, Jill and her team deserve the highest praise. We will definitely be referring Jill and her team to friends, colleagues and family for home loans and refinancing in the very near future."
JOE IOZZI
"I was fortunate enough to be introduced to Jill Sheldon for the purchase of my 1st home. She made the home loan process incredibly easy and anticipated a lot of questions and helped calm the nerves of a 1st time home buyer. She also advised when it would be a good opportunity to refinance my home and helped me through that process resulting in a significant cost savings on monthly basis. I cannot recommend her enough."
FIONA RAMSAY
Experience Matters
22 years of experience
HELPING FAMILIES SECURE HOME LOANS
Over the past 22+ years, I have had the pleasure of helping hundreds of families purchase their dream homes and save thousands by refinancing their current homes. Along the way, I’ve learned a thing or two about how customers wish to be treated and what delivering superior level service truly looks like.
*****
5 star rating
Earning and Maintaining a 5 star rating is something we’re incredibly proud of! I hope you’ll give us the chance to earn your business and show you why I believe our team is truly the best in the business.
Competitive RATES
AND on-time closing
We take great pride in not only having competitive interest rates, but an operations team that is truly exceptional. Sometimes the only thing standing between you and your dream home is how quickly you're able to close. We get it. That's why our team works diligently to ensure that you'll have every advantage and that your loan will close on time and with excellence.
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FROM THE DESK OF Jill:
I truly believe that my clients deserve the best.
From our first conversation, to the day you receive the keys to your new home, you deserve to experience an extraordinary combination of service, low rates, speed and excellence.
It’s incredibly important to me that you have a clear road map and understanding of the entire loan process from the start, so you will know each step of the way, exactly what to expect.
I do my best to gather all of the information I am going to need upfront to ensure a smooth, successful — dare I say — stress free experience, so you can spend your days preparing for your move and not worried about your home loan.
If and when questions arise, I’m always just a phone call or text away.
I understand that purchasing a home is a journey. i genuinely feel PRIVILEGED to have the opportunity of being there to guide and support you during this exciting and wonderful adventure!
-jILL
HOME LOANS & REFINANCE
Finding the right Home loan is like a puzzle...
And thankfully, this loan geek on your team LOVES a good puzzle! No two home loans are alike. It’s our job to know each loan program inside and out and advise which loan options would be most beneficial to you and what you’re trying to accomplish. In addition to the traditional loan programs you’re use to hearing about, CMG Home Loans offers some of the best Speciality Loan Programs in the business such as First Time Home Buyer Programs, Down Payment Assistance Programs, Bank Statement Loans, Flexible Credit Loans, Construction Loans, Renovation Loans just to name a few. Call us Today to find out which loan option would be best for you.
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LOAN Programs
Jill Sheldon and Co. at CMG Home Loans offers a vast array of loan programs. Our Loan team is equipped to meet your needs and ensure the perfect loan program is chosen for your individual situation.
cONVENTIONAL
A conventional loan is the most popular loan program chosen by homeowners looking for long term, stable Interest rates and low monthly payments during the entire term of the loan. If you're looking to ensure that your principal and interest payments won't fluctuate over the next 10 to 30 years, regardless of market conditions, a Conventional Home Loan might be right for you.
*Payment example: If you bought a $350,000 home and put 3% down, for a loan amount of $339,500, with a 30 year loan at a fixed rate of 6.0% (APR 6.15%), you would make 360 payments of $2,068.00. Payment stated does not include taxes and insurance, which will result in a higher payment.
DOWN PAYMENT
*Options starting at 3%
Down Payment can be given as a gift from Family.
FHA
FHA loans are insured by the Federal Housing Administration and are specifically designed to help borrowers get into homes with a minimal down payment.
This is great news for First Time Buyers and clients that may need the flexible underwriting guidelines of an FHA Loan. Down payments can be as low as 3.5% for up to 30 years with a fixed interest rate. Similar to the conventional loan, the down payment can be given as a gift from a family member. This makes the FHA Loan one of our most popular.
**FHA Payment example: If you bought a $350,000 home with a down payment of 3.5%, for a loan amount of $337,750, on a 30 year loan at a fixed rate of 6.0% (6.15% APR), and a $157/month private mortgage insurance payment, you would make 360 monthly payments of $2,215.00. Payment stated does not include taxes and insurance, which will result in a higher payment.
DOWN PAYMENT
$100 Down for HUD owned Homes
Down Payment
**Options starting at 3.5% for FHA
Down Payment can be given as a gift from Family.
JUMBO LENDING
This loan is perfect for families requiring a home with lots of room and higher than average price point. Jumbo loans start at loan amounts above $766,550 in most states. Interest Rates do tend to be slightly higher for these loans as there is greater risk and Jumbo Loans cannot be sold to Fannie Mae or Freddie Mac. If you have a higher monthly income, but don't want to put down a large sum of money, a Jumbo Loan is a wonderful solution.
***Jumbo Payment example: If you bought a $1,000,000 home with a down payment of 10%, for a loan amount of $800,000, on a 30 year loan at a fixed rate of 6.0% (6.15% APR), you would make 360 monthly payments of $5,483.00. Payment stated does not include taxes and insurance, which will result in a higher payment.
DOWN PAYMENT
***Options starting at 10%
Veterans administration (va loans)
A VA loan is a mortgage guaranteed by the U.S. Department of Veteran Affairs. These loans offer our military veterans, active duty members and surviving spouses with tremendous benefits that they so greatly deserve. This loan requires no down payment and offers Low Interest Rates.
DOWN PAYMENT
Options starting at 0%
THE LOAN PROCESS IN 4 EASY STEPS
Getting a home loan shouldn’t be stressful. But, if you’ve ever gone through the process before, you know it certainly can be. We strive to make the process simple and stress free from our first conversation to the day you close.
STEP 1: gETTING PRE-APPROVED
Before starting the home buying journey, it is always best to obtain a pre-approval so you know your buying power! Most professional real estate agents will also request this so that you can make an offer on any properties as quickly as you need to. In this fast paced market with limited inventory, there can often times be multiple offers on homes, so being ready ahead of time with your pre-approval only will increase your chances of a successful offer! This is a great time for us to get to know each other and set a clear roadmap of expectations for the exciting journey you are about to start on. We will have you fill out a quick application and provide some upfront documentation. You will receive a pre-qualification letter from us as well as a presentation of the best available loan options that will show your estimated monthly payment.
STEP 2: FIND YOUR DREAM HOME
Now starts the real fun! (Not that the loan process isn’t super fun….it is with Jill Sheldon & Co.) You will be armed with the knowledge of what your pre-approval range is, so you can start to narrow down the search for your dream home. Our door is always open, so as you find potential contenders, reach out to us to let us know if you would like any loan options updated based on what properties you are looking at. When you find THE ONE and have a signed contract, we are able to lock in your interest rate!
STEP 3: pROCESSING, UNDERWRITING & LOAN APPROVAL
Thanks to your teamwork upfront in the pre-approval process, we will already have a great jumpstart on the loan processing! Our loan processors are the best in the business and will seamlessly package your loan to have our underwriting team review for approval. We’re very fortunate to have an in-house, local underwriting team (THIS IS RARE) who look for reason to make the approval process EASIER and not make you feel like you must provide your first-born, to gain a loan approval. Once we receive underwriting approval, we’ll begin partnering with the title company to begin preparations for your loan closing.
STEP 4: LOAN CLOSING
The wait is OVER! All of the teamwork pays off as this is the day you will sign your loan documents at the title company! We’ll be there, ready to celebrate this momentous occasion right alongside of you.
YOU MATTER TO US
BEHIND EVERY HOME LOAN IS A FAMILY
i’M HERE WHEN YOU NEED ME.
PHOENIX CHILDREN’S HOSPITAL
“When I was just 2 years old, my pediatrician discovered a tumor in my liver. From that moment forward, it was a whirlwind of events, emotions, what-ifs for my parents, grandparents and my older siblings. Truthfully (and thankfully) I don’t remember much of that time period, but I do have etched into my heart, the countless stories my parents have recounted with tears in their eyes, of how much uncertainty and fear they felt, but the confidence they had in the men and women that would go on to treat and ultimately help me beat liver cancer. I can say confidently that it’s because of organizations like the Phoenix Children’s Hospital that I am here today.” - Jill Sheldon
With each completed loan, we are proud to give a portion of our net proceeds to support the wonderful work of the Phoenix Children’s Hospital Foundation.
*Artwork seen above was painted by my incredibly talented daughter, Madeline Marie.