Thomas Monte
Sr .Loan Officer
| NMLS #15522
Branch NMLS #2603292
(631) 771-0595
tmonte@cmghomeloans.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 Builder5 Tips on How to Financially Prepare for a Home Loan
Blog posted On June 28, 2024
Are you ready to purchase your first home, but overwhelmed with where to begin? The way to set yourself up for success for the home buying process is to consider preparing your finances and getting into the best financial shape possible before applying for a home loan. Let’s walk through some helpful tips to help the process go as smoothly and stress-free as possible.
READ MOREQualifying for a Mortgage with Student Debt
Blog posted On June 30, 2023
The dream of homeownership may seem out of reach to those holding on to student debt. But, with careful planning and a clear understanding of the factors involved, it is possible to secure a mortgage while managing student loan obligations. There are some key strategies and tips you’ll want to keep in mind to help you qualify for a mortgage with student debt.
READ MOREBenefits of Taking Out a HELOC
Blog posted On February 03, 2022
Charging expenses to your credit card may seem easy, but it can cost you more in the long run. Credit card interest rates are typically much higher than mortgage rates and maxing out lines of credit can be bad for your credit score. A good alternative to using your credit card is getting a Home Equity Line of Credit, or HELOC.
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 MOREMoney Moves to Make When Interest Rates Are Low
Blog posted On May 05, 2021
Last week the Federal Open Market Committee (FOMC) voted to leave the benchmark interest rate near zero. Consequently, the cost of borrowing will remain relatively favorable for consumers. If you’re thinking about how to take advantage of low rates, now is the time. Don’t know where to start? Here are two ways you can take advantage of interest rates while they’re still low.
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