CMG Financial - Newsletter

CMG Financial is a well-capitalized, privately held mortgage-banking firm founded in 1993. The company makes its products and services available to the market through three distinct origination channels including Correspondent Lending, Wholesale Lending and Retail Lending. CMG Financial is currently licensed in all 50 states, including the District of Columbia, and holds federal agency lending approvals with HUD, VA, RHS, GNMA, FNMA and FHLMC. Throughout the mortgage banking and housing...

In 2010, one of our co-founders, Steve Better, was a Consumer Loan Underwriter for Wells Fargo. He was tasked with reviewing applications for loan modification. These were applications by people who were trying to stay in their homes. As he reviewed the applications, he saw the mistakes over and over again. Consumers consistently overstated their credit scores and income, and underwriters approved those loans based on incorrect information. As Steven continued in his career as an underw...

Fernando Garces is a member of the HSBC Mortgage Direct team and originates anywhere within the U.S., except in Alaska and West Virginia. He is bilingual in English and Spanish. Fernando specializes in working with first-time homebuyers on purchase and refinance transactions with down payment assistance programs. He’s a graduate of the Fannie Mae Foundation to expand homeownership rates in the United States and promote diversity. Fernando has a Bachelor’s Degree in Economics and Master’s ...

2015 finished as top loan officer for 6th straight year in units and volume. Specializing in International lending, Conventional, FHA and VA Mortgages. Working with Foreign Nationals looking to purchase in the US. Leading branch Pilot working with HSBC branch Premier Relationship Managers helping their clients in their Mortgage needs. Branch Sales Manager for HSBC- . Buffalo 1994-2009 Managed 4 offices in area. Grew Amherst, NY from $13 Million dollar branch to $48 Million. Promoted 3 Acc...

Licensed PA Real Estate Agent• Licensed PA Notary• Member PA Association of Realtors• Member Montgomery County Association of Realtors• Member Bright MLS• Certified HEMAP EHLP counselor through PHFAProfessional Experience• Foreclosure counselor for 15 years• Banking and mortgage industry 20 yearsAreas of Expertise• Commercial and Residential Lending• Foreclosure CounselingEducation• Business Administration at Villanova University• Duval High School GraduatePersonal B...

Personal BackgroundI am a third generation Realtor who grew up in Calabasas when the license plate frames said "Last of the Old West". I moved to Santa Cruz to escape the impending urban sprawl and graduated from the University of California at Santa Cruz with a BA degree in Linguistics. Ironically, I wound up working in finance during school and worked my way up in banking. I moved to Santa Barbara and spent 10 years working as a Mortgage Lending Agent. I made many lasting friendships wi...

Professional Experience1985 - Present: Realtor, Coldwell Banker, formerly Polley, Polley & Madsen 1980 -1985: Senior Vice President & Trust Officer for a Billion Dollar Financial Holding Company of Banks & Savings & Loans in Chicago, Illinois 1970 - 1980, Vice President & Trust Officer of Burbank State Bank, Burbank, Illinois Head of Real Estate, Commercial & Consumer Lending Departments 1963 - 1970 Lending Officer, Union National Bank of Chicago, Chicago, Illinoi...

When offering real estate for sale or looking for property that fits your needs in this intense market, you need Information and Commitment every step of the way. Former President Woodrow Wilson stated it best: "One cool judgment is worth a thousand hasty counsels. The thing to be supplied is light, not heat." Multiple award-winning production in Listing and Sales, year after year. 18 years experience in banking and mortgage lending prior to joining Coldwell Banker Residenti...

Wendy Czaplicki is a member of the Mortgage Direct team and originates anywhere within the U.S., except Alaska and West Virginia. Wendy specializes in first time home buyers, FHA/VA, SONYMA, and conventional and jumbo mortgage lending. Wendy has over 20 years’ experience in the mortgage industry. Wendy may be reached at 833.436.4722 Ext. 1122.

Born and raised in Los Angeles and love it! Went to John Marshall High School here in Los Feliz. USC alumni with a BS and MBA! Still an 'SC football fan! A banker for 30 years starting in International Banking with Security Pacific. Helped create their Private Banking Group. Over 20 years in real estate lending including construction and commercial at various financial institutions. A few years ago, I made a career change to assisting clients in buying and selling real estate! I apprec...