Miguel Piña | CMG Home Loans
Partner toolkit · for my real estate partners

The lending toolkit, built for your deals.

Every CMG program your buyers and sellers might need — organized so you can find the right answer fast, send a flyer to a client, or settle a financing question on the spot.

Bilingual · English / Español 11 years in mortgage lending (512) 954-1394 · mpina@cmghomeloans.com

Refer a client

Two quick emails, ready to send. One hands the client off to me with everything I need; the other is a warm intro you can forward to your buyer. Both open pre-filled — just fill in the blanks.

1

Send me the referral

Emails me your client's details so I can reach out and get them moving.

Email the referral to me →
2

Introduce me to your client

Opens a friendly intro email addressed to your buyer — you stay in control of the relationship.

Open the client intro →

Your client is always free to choose any lender. These intros are informational and create no obligation.

Purchase analysis · For your client

Request a side-by-side payment comparison

I'll build a clean breakdown for your buyer — down-payment options, loan types, and monthly payments compared side by side, so they can see their choices clearly. Just send me the details and I'll turn it around fast.

Request an analysis →

Resources & quick tools

Plug-and-play tools to keep on hand — plus two pre-filled emails for common asks.

First payment date finder

When is the first payment due?

Enter the closing date. First payments are due the 1st of the second month after closing.

First payment due
Pick a closing date above.
Closing Disclosure timing

Latest CD date to hit your close

The buyer must receive the CD at least 3 business days before closing. Enter the target close date.

CD must be received by
Pick a closing date above.
Max seller credit

How much can the seller contribute?

Interested-party contribution caps by loan type. Conventional depends on down payment and occupancy.

Max seller credit
Choose a loan type above.
✉ Email template · sends to me Can you check if this condo is warrantable? Opens a pre-filled email to me with the details I need to confirm a condo project will pass agency review. Docs I may need (Fannie/Freddie): Condo questionnaire · HOA budget & reserves · Master insurance · CC&Rs / bylaws · Recent HOA meeting minutes ✉  Email me this condo →
✉ Email template · sends to me Request an updated pre-approval letter Opens a pre-filled email to me — just fill in the new price or property and I'll turn around a fresh letter. ✉  Request a letter →

Updates & Insights

Quick reads on rate moves, guideline changes, and financing strategies worth knowing — tap any to expand.

Tools for you & your clients

Two things worth bookmarking — a down-payment gifting platform you can offer buyers, and a live payment calculator you can run on the spot.

HomeFundIt™ · Down-payment gifting

Help buyers crowdfund their down payment

HomeFundIt lets buyers raise down-payment gifts from family and friends — and can add matching funds toward closing costs. A real edge for first-time buyers who have the income but not the savings yet.

As my partner, you get your own realtor portal to refer buyers directly.

Open the realtor portal → Learn how HomeFundIt works
Refers buyers to me, Miguel Piña, at CMG Home Loans.

Mortgage payment calculator

Estimate principal, interest, taxes, and insurance — then apply or reach out right from the tool.