Josh Catigano CMG Home Loans

Josh Catigano CMG Home Loans Joshua Catigano provides customized mortgage solutions in Charleston, SC, specializing in customer

It’s time to level up your summer! 🏖️ ☀️With our own Private Label Security (PLS), we can help you avoid increased fees ...
06/09/2026

It’s time to level up your summer! 🏖️ ☀️
With our own Private Label Security (PLS), we can help you avoid increased fees and offer a better price on your second home or investment property loan. Ready to dive in? Contact me today!

Two people. Same neighborhood. Same price home. Different mortgage rates.Here's why that happens:📊 Credit score — Even 2...
06/06/2026

Two people. Same neighborhood. Same price home. Different mortgage rates.

Here's why that happens:

📊 Credit score — Even 20 points can change your rate tier
💰 Down payment — Less down = higher rate (more risk to lender)
🏠 Property type — Investment property rates are higher than primary residence
📋 Loan type — FHA vs. conventional vs. jumbo all price differently
⏰ Lock timing — Rates change daily. Sometimes hourly.

Your rate isn't a random number. It's a calculation based on your specific profile.

The good news: most of these factors are things we can work with BEFORE you apply to get you to a better rate tier.

DM me "RATE" and I'll tell you exactly what's driving your number and what we can do about it.

📲 Josh Catigano | The Fun Funder | NMLS #1817426 | CMG Mortgage

The story of homeownership is woven into the story of the American Dream. 🇺🇸From creating stability and building generat...
06/05/2026

The story of homeownership is woven into the story of the American Dream. 🇺🇸
From creating stability and building generational wealth to opening doors for future opportunities, homeownership has remained a meaningful milestone for families across generations.
As we celebrate National Homeownership Month, take a look at how the dream has evolved—and why it still matters today. 🏡

I'm not going to tell you renting is "throwing money away."That's lazy advice.But here's what nobody talks about when yo...
06/04/2026

I'm not going to tell you renting is "throwing money away."

That's lazy advice.

But here's what nobody talks about when you stay in the same area for 5+ years:

When you rent, your payment goes up every lease renewal.
When you buy, your principal + interest payment is LOCKED. Forever. (Taxes/insurance adjust, but your mortgage payment doesn't change.)

I have clients whose mortgage payment is $200/month LESS than their old rent — because they bought 3 years ago and rents have gone up while their mortgage hasn't.

If you plan to be in the Lowcountry for 3+ years, run the math. The answer might surprise you.

DM me and I'll build out a simple rent vs. buy comparison for your exact situation. Free.

📲 Josh Catigano | The Fun Funder | NMLS #1817426 | CMG Mortgage

Quick mortgage literacy post because this one trips people up ALL THE TIME 👇DTI = Debt-to-Income Ratio. It's one of the ...
06/03/2026

Quick mortgage literacy post because this one trips people up ALL THE TIME 👇

DTI = Debt-to-Income Ratio. It's one of the biggest factors in whether you get approved.

Here's the simple math:

Add up all your monthly minimum debt payments:
→ Car payment: $450
→ Student loans: $200
→ Credit cards (minimums): $150
→ Future mortgage payment: $1,800
Total: $2,600

Divide by gross monthly income: $6,500

DTI = 40% ✅ (Most programs want under 43-50%)

The higher your debts, the harder it is to qualify. The good news: paying down a credit card before you apply can drop your DTI fast.

Curious where your DTI lands? Drop your numbers in my DM and I'll run the math for free.

📲 Josh Catigano | The Fun Funder | NMLS #1817426 | CMG Mortgage

Thinking of closing out your credit card? Wait until AFTER closing day! Closing a credit card, even if you've paid it of...
06/02/2026

Thinking of closing out your credit card? Wait until AFTER closing day! Closing a credit card, even if you've paid it off completely, factors into your score differently than just having it paid off. Our advice? Wait until after you close on your mortgage to close a credit account

These two things are NOT the same. And confusing them could cost you a house.🟡 Pre-Qualification: "Based on what you tol...
06/02/2026

These two things are NOT the same. And confusing them could cost you a house.

🟡 Pre-Qualification: "Based on what you told me, you probably qualify for around X."
— No credit pull. No documents verified. Takes 5 minutes. Means almost nothing to a serious seller.

🟢 Pre-Approval: "I've verified your income, assets, and credit. You are approved up to X."
— Underwriting reviewed. Docs submitted. This is what wins in a competitive market.

In the Lowcountry market right now, showing up with a pre-qual is like showing up to a job interview in pajamas.

Come correct. Get the pre-approval.

DM me and I can usually get you a fully underwritten pre-approval within 24-48 hours.

📲 Josh Catigano | The Fun Funder | NMLS #1817426 | CMG Mortgage

Home search not going swimmingly? 🏊‍♀️If you’re struggling to find a home that checks every box, a Renovation Loan could...
06/01/2026

Home search not going swimmingly? 🏊‍♀️
If you’re struggling to find a home that checks every box, a Renovation Loan could help you see the potential in homes that need a little TLC. Ask me about financing options that can turn a house you like into a home you love!

FHA loans are underrated. Here's a quick breakdown:✅ 3.5% down (that's $10,500 on a $300K house)✅ Credit scores down to ...
06/01/2026

FHA loans are underrated. Here's a quick breakdown:

✅ 3.5% down (that's $10,500 on a $300K house)
✅ Credit scores down to 580
✅ Down payment can be a GIFT from family
✅ Seller can pay up to 6% of closing costs
✅ Works for condos, townhomes, single-family

The catch everyone talks about: mortgage insurance (MIP). Yes, it's there. But at 3.5% down, you're getting into a home for a fraction of what conventional requires.

And once you have enough equity, we refinance out of it.

FHA is often the fastest path to homeownership for first-time buyers. Don't let the MIP scare you off.

DM me "FHA" if you want to see what you'd qualify for.

📲 Josh Catigano | The Fun Funder | NMLS #1817426 | CMG Mortgage

If you’re in the military, getting new orders that require a move is not uncommon. When a new PCS order comes in, we're ...
05/29/2026

If you’re in the military, getting new orders that require a move is not uncommon. When a new PCS order comes in, we're here to help. Follow these four tips for a quick and efficient military move 🇺🇸

Address

1387 Harbor View Road
Charleston, SC
29412

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 8am - 7pm

Telephone

+18433231150

Website

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