Michael Kaye - CMG Home Loans

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Michael Kaye - CMG Home Loans Michael Kaye graduated from Saint Joseph’s University in Philadelphia, Pennsylvania with a double major in both Accounting and Finance. Co. NMLS # 1850.

Michael Kaye at CMG Home Loans specializes in all types of home loans from first-time homebuyer, investor, non-qm, and down payment assistance programs to make homeownership affrodable. Michael excelled in and out of the classroom as a member of the Finance Society and Hawk Host Program. Outside of the classroom, Michael ran a successful internet sales business (footwear and apparel) for his final three years in college. Following his graduation, Michael decided to transfer his skills from his company and enter into the residential lending business. From very early on, Michael has developed the necessary platform, recognizing the importance of catering to the wants and needs of the customer. Michael has a clear understanding of the uniqueness in each customer scenario, and he values the customer’s option as much as his own. Michael believes in creating a partnership with the customer that will allow ideas from both parties to flow concurrently, arriving at the end goal: a happy and satisfied customer. Such leadership and vision is essential, when making the biggest financial decision of any one person’s life. It is for these reasons, Michael decided to join The Federal Savings Bank. Their platform for residential lending is aligned with Michael’s ethics and values. Aside from his fiery passion for business, Michael enjoys a multitude of sports, including basketball, football, and bowling. Michael is also passionate about footwear and owns over 150 pairs of Nike and Jordan sneakers. Traveling and cooking are also included in Michael’s leisurely pleasures. CMG Home Loans is an Equal Housing Lender. For licensing information, go to www.nmlsconsumeraccess.org

Don’t downsize the dream—explore ways to lower your initial payments instead! Let’s talk about how a Mortgage Payment Bu...
10/16/2026

Don’t downsize the dream—explore ways to lower your initial payments instead!
Let’s talk about how a Mortgage Payment Buydown can help you ease into homeownership 🏡

Saving for a home? You don’t have to do it alone!With the right team and proper preparation, your dream of homeownership...
10/15/2026

Saving for a home? You don’t have to do it alone!
With the right team and proper preparation, your dream of homeownership may be closer than you’d think! Skip the spooks with our fright-free guide to saving for a home:
http://spr.ly/6186BHJWt2

When closing costs feel like one more hurdle between a first-time buyer and the keys, a seller concession can help make ...
10/15/2026

When closing costs feel like one more hurdle between a first-time buyer and the keys, a seller concession can help make the numbers work. 💰🏡

For this buyer, we were able to structure their FHA financing to include a seller concession toward their closing costs, helping reduce the amount they needed to bring to the closing table.
𝐒𝐨, 𝐰𝐡𝐚𝐭 𝐢𝐬 𝐚 𝐬𝐞𝐥𝐥𝐞𝐫 𝐜𝐨𝐧𝐜𝐞𝐬𝐬𝐢𝐨𝐧? 🤔
Simply put, it’s when the seller agrees to contribute toward certain eligible buyer closing costs as part of the purchase agreement. That can mean less money out of pocket for the buyer at closing.

𝐓𝐡𝐞 𝐁𝐫𝐞𝐚𝐤𝐝𝐨𝐰𝐧:
🟢 First-Time Homebuyer
🔵 FHA Financing
🟡 Seller Concession Negotiated
🔴 Help With Buyer Closing Costs
✅ Worried About Closing Costs? There may be options.
✅ First-Time Buyer? Let’s look at the whole picture.
✅ Seller Concessions? They can be a powerful part of the purchase strategy.

If coming up with the money for closing costs is making you wonder whether you can afford to buy, don’t count yourself out before you know your options.
Sometimes the right strategy can make getting those first set of keys a whole lot more manageable. 🏡🔑🎉

Homeownership may be the goal… but what’s the game plan? 🏡🎯Financial Planning Month is a great time to check in on your ...
10/14/2026

Homeownership may be the goal… but what’s the game plan? 🏡🎯
Financial Planning Month is a great time to check in on your credit, savings, debt, and budget so you can better understand where you stand and what steps may come next.

When you’re a self-employed entrepreneur, your tax returns don’t always tell the full story of your financial picture. T...
10/12/2026

When you’re a self-employed entrepreneur, your tax returns don’t always tell the full story of your financial picture. That doesn’t mean your real estate goals have to be put on hold. 💼

For this client, traditional financing wasn’t the right fit for their investment property purchase, so we looked at a different way to qualify.

𝐄𝐧𝐭𝐞𝐫 𝐚 𝐍𝐨𝐧-𝐐𝐌 𝐁𝐚𝐧𝐤 𝐒𝐭𝐚𝐭𝐞𝐦𝐞𝐧𝐭 𝐋𝐨𝐚𝐧. 🔑
Instead of relying solely on traditional income documentation, we were able to use bank statements to help document qualifying income and find a financing solution that fit this entrepreneur’s situation.

𝐓𝐡𝐞 𝐁𝐫𝐞𝐚𝐤𝐝𝐨𝐰𝐧:
🟢 Self-Employed Entrepreneur
🔵 Investment Property Purchase
🟡 Non-QM Bank Statement Loan
🔴 Closed in Under 30 Days
✅ Self-Employed? There may be more than one way to qualify.
✅ Investing in Real Estate? Let’s explore your financing options.
✅ Need to Move Quickly? We know how important timing can be.

Being self-employed can make your finances look different on paper. The key is knowing which loan options are built to look at the bigger picture.
For this entrepreneur, the right financing strategy meant another investment property added to the portfolio. 🏡💼🔑

🏡💰 Home sweet savings!If homeownership is one of your financial goals, remember: the down payment is only one piece of t...
10/12/2026

🏡💰 Home sweet savings!
If homeownership is one of your financial goals, remember: the down payment is only one piece of the savings puzzle.
This National Savings Day, be sure to plan for the expenses that can come before, during, and after moving day.

🍂 Ready to turn the page on renting and start a new chapter? Your homeownership story starts here📖 Let’s explore your op...
10/09/2026

🍂 Ready to turn the page on renting and start a new chapter?
Your homeownership story starts here📖 Let’s explore your options!

Moving into a new home should be exciting, not overwhelming. Why not catch a break with the mortgage payment?CMG’s Rate ...
10/07/2026

Moving into a new home should be exciting, not overwhelming. Why not catch a break with the mortgage payment?
CMG’s Rate Break could help you ease into homeownership with a 0.50% temporary rate reduction for your first 12 payments.*
Read here: http://spr.ly/6181BGNdQ1

Big savings goals start with small habits!Whether you’re building an emergency fund, saving for a home, or working towar...
10/06/2026

Big savings goals start with small habits!
Whether you’re building an emergency fund, saving for a home, or working toward another financial milestone, consistency can make a difference. Get started with these five tips💰

Need to catch a break in today’s rate environment? With CMG’s lender-paid Rate Break, your first 12 payments are calcula...
10/06/2026

Need to catch a break in today’s rate environment?
With CMG’s lender-paid Rate Break, your first 12 payments are calculated using a rate 0.50% below your note rate.*
Let’s discuss your options!

Address

42-40 Bell Boulevard
Bayside, NY
11361

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+17185649511

Website

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