The Sarah Morris Team at CMG Home Loans

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The Sarah Morris Team at CMG Home Loans

Communication, Transparency, and Dedication. Choose a mortgage professional that is on your side.

Everyone deserves the opportunity to have a mortgage professional that is on their side. Buying or refinancing a home is a huge decision and should be entrusted to someone that really has your best interest in mind. I feel it is important to listen and work with a client to find a mortgage solution that best fits their needs. I choose to see the family behind the finances, helping them to build a strong financial future through home ownership.

10/18/2026

Proof that I occasionally wear something other than leggings, drink coffee somewhere other than my desk, and have conversations that don't involve mortgage rates. 😂🥂

A birthday date night with Chris at Steiner Ranch Steakhouse, complete with gorgeous Hill Country views, delicious food, and a sunset that absolutely understood the assignment. 🌅❤️

10/10 would recommend getting dressed up and escaping the chaos for a few hours.

10/14/2026

20% down is not automatically the smartest move. 👀

Yes, it can lower your payment and help you avoid mortgage insurance.

But if getting to 20% means draining most of the money you’ll have left after closing? I want to run another scenario.

Sometimes putting less down + keeping more cash in the bank is the better strategy.

Sometimes 20% wins.

The point is—we compare both before deciding.

My job isn’t to get you to put the most money down. It’s to help you choose the strategy that makes sense for your life.

Want me to run the numbers both ways? DM me "20%"

10/14/2026

10/09/2026

Whoever decided team building should involve game-show competitions understood the assignment. 😂🏆

This was SO much fun…although I’m pretty sure some of us discovered a competitive side we were pretending didn’t exist.

10/10 team-building choice. Would absolutely do this again.

10/09/2026

Just because I can approve you doesn’t always mean I think you should buy right now. 👀

If buying the house drains your savings, stretches the monthly budget too far, or leaves you with zero breathing room, I’m going to tell you.

A preapproval tells us what you can qualify for. It doesn’t automatically tell us what you’ll feel comfortable paying every month.
Sometimes the smartest mortgage strategy is buying now.

Sometimes it’s waiting a little longer and making a better plan.

Approval ≠ affordability.

10/07/2026

Rate Break is officially LIVE. 👀🏡

On eligible purchase loans, your first 12 payments may be based on an interest rate 0.50% lower than your note rate through a lender-paid temporary buydown.

And if the temporary buydown isn’t the best fit? The dollar-equivalent lender credit may instead be available toward eligible closing costs.

Want to know what this looks like for your purchase?

Send me a purchase price and I’ll run the numbers. 👇

Available on eligible purchase loans with new locks through 12/31/26.

NMLS #1180861 | Branch NMLS #1635099

FirstTimeHomeBuyer
AustinRealEstate

10/05/2026

Buying a home before the end of the year? This is worth knowing about. 👀🏡

Beginning October 7, CMG’s new Rate Break option will be available on eligible purchase loans.

For the first 12 payments, your payment is based on a rate 0.50% lower than your note rate. CMG funds the temporary buydown through a lender credit.

Beginning with payment 13, your payment is based on the full note rate — and you qualify using that full rate from the beginning.

On eligible fixed-rate loans, Rate Break may also be combined with seller, builder or borrower contributions for a larger temporary buydown.

Available on eligible Conventional, FHA and VA purchase loans with new locks beginning 10/7/26 through 12/31/26.

Buying before year-end — or a Realtor with a buyer who is? DM me “RATE BREAK” and I’ll show you what it could look like with real numbers.

09/30/2026

If you’re new here… hi. I’m Sarah. 👋

I’m a mortgage loan officer, but this page isn’t just about mortgages.

It’s about making the confusing stuff make sense, looking at the actual numbers, and helping people make smart decisions — not just getting them to closing.

Around here you’ll find mortgage tips, real-life scenarios, a little sarcasm, Austin life, family, football, dance-mom moments… and whatever else happens to make its way onto my camera roll. 😂

And sometimes the best mortgage advice I can give you is not to buy a house yet.

I’m licensed in TX, CA & LA, but wherever you are, I hope you learn something while you’re here. 💗

And if you’ve been following me for a while, tell me below:
How did we originally meet? 👇

09/26/2026

Technically I WAS around in 1985… I just wasn't serving looks like this yet. 😂

Apparently alternate-universe me skipped straight to the big hair, statement earrings and questionable amount of hairspray.

And honestly? She looks like a good time. 😂

What do we think — did 1985 Sarah nail it or should I stay in 2026?

09/25/2026

The lowest rate isn't always the best mortgage. 👀

If I were choosing a lender, these are the questions I'd be asking before I worried about who was quoting the lowest rate.

Because I’d want to know:

🏡 What will my actual monthly payment be?

💰 How much cash should I realistically expect to need?

🎯 Why are you recommending this loan strategy for me?

📋 What happens after I go under contract?

💗 And maybe my favorite: Would you tell me if I shouldn’t buy yet?

A good lender shouldn't just be able to get you approved.

They should be able to explain the numbers, show you your options, help you understand the tradeoffs, communicate with you throughout the process—and be willing to tell you when waiting might actually be the smarter move.

Your mortgage should have a strategy, not just an approval.

Which of these would you ask first? 👇

Address

9430 Research Boulevard
Austin, TX
78759

Website

https://myoc.io/c/hyE5j

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