Heather Ducker, Mortgage Loan Originator, NMLS# 544769

Heather Ducker, Mortgage Loan Originator, NMLS# 544769 Producing Branch Manager
Branch NMLS # 2476492
CMG Home Loans NMLS ID #1820. CMG Mortgage, Inc. is an equal housing lender. CL-1820.
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Branch NMLS ID # 2476492
CMG Financial, CMG Home Loans, Diversified Mortgage Group, HomeFundIt are registered trade names of CMG Mortgage, Inc. To verify our complete list of state licenses, please visit www.cmghomeloans.com/corporate/licensing and www.nmlsconsumeraccess.org. Arizona Mortgage Banker License No. 0903132. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. Licensed by the Washington Department of Financial Institutions under the Consumer Loan Act No. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act
https://www.cmgfi.com/corporate/ca-privacy-policy

09/09/2026

😂

Mortgage lending really keeps you humble.

09/08/2026

There’s a lot of noise around mortgages.

Rates. Headlines. Predictions. Opinions.

But the right mortgage strategy has never been about chasing a headline — it’s about building a plan around your life, your goals, and your numbers.

That’s the part I love.

You don’t need to know everything about the market.

You just need someone who does. 🤍

09/03/2026

Mortgage lending is such a calm, relaxing career. 😌

Just me, peacefully guiding people toward homeownership while absolutely nothing unexpected happens. Ever.

⛈️⚡️😂

09/02/2026

There’s actually some GOOD news for homebuyers right now. 🏡🙌

More negotiating power. Improving affordability. And buyers are still making moves.

Does that mean it’s a perfect market? Nope.

But you don’t need a perfect market — you need the right opportunity and the right strategy.

There are SO many ways to structure a home loan, and sometimes a few small adjustments can make a much bigger difference than you think.

If buying a home is on your radar, let’s look at the numbers and figure out what makes sense for YOU.

09/01/2026

Nothing humbles you faster than realizing your keys are living their best life in the purse you left at home. 😂

Please tell me I’m not the only person who has done this.

08/31/2026

Sometimes the difference between “that house is out of my budget” and “wait… we can actually do this” is simply knowing how to structure the financing.

Purchase price is only ONE piece of the equation.

Down payment. Rate. Monthly payment. Existing equity. Debt. Loan structure. Timing.

Before you rule out the next house, let’s actually run the numbers.

08/28/2026

This flower was supposed to be a strawberry. 🌸

At least, that’s what I thought when I bought the flat of strawberry starts.

But this flower knew exactly what it was—even when everything around it was something different.

It had to push through dirt and roots that weren’t its own.
It had to rise above strawberry leaves bigger than its own.

And it still bloomed.

This morning, I looked at it and noticed the shadows surrounding it.

And yet… it still found the light.

There’s something really beautiful about that.

Sometimes we find ourselves planted somewhere we don’t belong. Surrounded by things that overshadow us. Trying to grow through circumstances we never chose.

But none of that changes who we are or what we’re capable of becoming.

Keep growing. Keep reaching. Keep finding the light. ❤️

08/27/2026

TikTok told me to ask ChatGPT to describe me like it was warning someone before they met me.

I was expecting something cute.

Instead, I got absolutely DRAGGED. 😂

The 47 things at once? Fair.

Starting an entire business because I had an idea at 8:42 p.m.? Also fair.

The technology blast radius? I have no comment.

But “if she asks for a link, GIVE HER THE LINK” tells me ChatGPT and I may need couples counseling. 😂

So apparently, consider this your official warning before meeting me.

How would ChatGPT warn people about YOU?

08/26/2026

The house you want and the payment you want don’t always line up perfectly — and that doesn’t automatically mean the answer is “no.”
It means we need to look at the numbers.
Purchase price, down payment, interest rate, taxes, insurance, existing debt… there are a lot of levers that can change what that monthly payment looks like.
My job isn’t to tell you what you should spend.
It’s to show you the options, explain the tradeoffs, and help you make a decision that feels good for both the home you want and the life you want to live after you buy it.
Sometimes the answer is adjusting the house.
Sometimes it’s adjusting the financing strategy.
Let’s run the numbers before you rule anything in — or out.

08/25/2026

I know, I know. 😂
But it really DOES depend.
Your finances. Your goals. Your timeline. The house. The payment. The loan options.
There’s a reason I ask so many questions before I give you an answer. 🏡

Address

2911 Tennyson Avenue Suite 304
Eugene, OR
97408

Opening Hours

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

Telephone

+15413056354

Website

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