About Me
My Philosophy
With nearly 20 years of experience and expertise as a Mortgage Loan Originator, Joanne brings a unique skill set to her customers.
Joanne starts the roadmap to homeownership by detailing the next steps so borrowers know what to expect throughout their homebuying journey. This serves to calm nerves and keep all well-organized.
Joanne dives deep into her client's homebuying goals and circumstances to offer them the best home financing options to best fit their needs. In today's mortgage environment, affordability is everything. She understands her customers' priorities and time horizons to help guide them on a plan that makes the best sense for them.
Through CMG Home Loans Financial, Joanne truly has a loan program for virtually every type of homebuyer:
- From First-time homebuyers and move-up buyers to
- Veterans and even Seniors seeking to tap into their equity to obtain a Reverse Mortgage
To help with affordability, Joanne and her CMG Home Loans team are excited to introduce Seller-Paid Temporary Rate Buydown options on conventional loans. They are designed to lower the interest rate for a set number of years, allowing buyers to now buy a home at a higher price point while spending less on their mortgage for a set amount of time. Whether your home-buying journey is immediate or longer-term, Joanne is happy to help advise on a plan that is uniquely yours!
Contact Joanne today to discuss the details of these seller-paid buydown options and many others that may be available to you.
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!
