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

06/17/2026

Your CPA’s job is to minimize your tax liability. My job is to find the mortgage solution that works with your financial picture.
If you’re self-employed, don’t assume your tax returns automatically mean you can’t qualify for a home loan.
There may be other options—including bank statement loans—that look at your deposits instead of your tax returns.
Every situation is different, which is why strategy matters.
Before you change your tax filing or give up on buying a home, let’s have a conversation. There may be more options than you think.


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06/16/2026

One of the most common mistakes I see on loan applications?
People tell me their net income instead of their gross income.
Your net income is what’s left after taxes, insurance, retirement contributions, and other deductions come out of your paycheck.
Your gross income is what you earn before any of those deductions.
Why does it matter?
Because mortgages are qualified using gross income—not net income.
If you accidentally tell me your take-home pay, I may think you qualify for much less than you actually do.
This is one of the reasons we ask for pay stubs, W-2s, and tax returns. The documents help us verify the numbers and make sure we’re giving you accurate advice from the beginning.
Moral of the story: Don’t stress about getting the math right. Just send the paperwork and let your lender do the calculations.
That’s what we’re here for.


 
 
 


This one is a little hard to put into words. I’ve been sitting on this marketing piece for a few days trying to come up ...
06/15/2026

This one is a little hard to put into words. I’ve been sitting on this marketing piece for a few days trying to come up with the correct words.

I’m incredibly honored to step into the role of Producing Branch Manager with CMG Home Loans.

What this promotion represents to me isn’t a title—it’s trust. Trust from leadership who helped grow me and believed in me, trust from a company that has invested in me, trust from referral partners who continue to send families my way, and trust from clients who allow me to be part of some of the biggest financial decisions of their lives.

I’ve been fortunate to learn from amazing mentors, work alongside talented teammates, and build relationships with people who have supported me throughout my career. I’m deeply grateful for every lesson, every challenge, and every opportunity that helped shape this journey.

As I step into this next chapter, my focus remains the same: serve people well, help others succeed, and continue growing both personally and professionally.

Thank you to everyone who has been part of the journey so far. I’m excited for what’s ahead. ❤️

06/13/2026

One of the biggest misconceptions about mortgages is that they’re all about numbers.
The truth is that most of the work happens in the gray area.
Every borrower has a unique story.
Every transaction has moving parts.
Every file has obstacles that need solutions.
The best loan officers aren’t just good with guidelines—they’re good at navigating uncertainty.
That’s the part of the job most people never see.
RealEstate

06/11/2026

Busy seasons teach you what really matters.

Whether you’re becoming the next version of yourself or trying to buy a home, the same truth applies:

You don’t need to have it all figured out today.
You just need one clear next step.

Growth works that way.
Homeownership works that way too.

Start where you are.
Ask the question.
Take the step.

That’s how you become.
That’s how you build.

One of the biggest misconceptions in homebuying is that the “best” loan is simply the one with the lowest interest rate....
06/10/2026

One of the biggest misconceptions in homebuying is that the “best” loan is simply the one with the lowest interest rate.

In reality, the best loan is the one that aligns with your goals, budget, timeline, and comfort level.

A mortgage should be a tool that helps you build wealth and create stability—not a source of stress.

That’s why I spend more time talking strategy than rate sheets.

Because when the strategy is right, the decision becomes much clearer.

06/09/2026

Most people think homeownership starts with finding a house.

It doesn’t.

It starts with a conversation.

The truth is, many buyers qualify sooner than they think, have more options than they realize, and spend years waiting for a “perfect time” that never comes.

You don’t need all the answers.

You just need a plan.

Whether you’re buying in 3 months, 12 months, or 3 years, understanding your options today can help you make better decisions tomorrow.

FinancialGoals

06/09/2026

Travel reminds me of one of the most important leadership lessons: you don’t have to know exactly where you’re going to take the next step.

Every airport, train station, wrong turn, and unexpected adventure is a reminder that growth happens when you’re willing to move forward before you have all the answers.

The same is true in leadership and life in general!

New places, new perspectives, same lesson.

Keep moving forward, even if you don’t feel ready.

Everyone’s obsessing over interest rates—but they’re not the real reason people build wealth through homeownership.The r...
06/05/2026

Everyone’s obsessing over interest rates—but they’re not the real reason people build wealth through homeownership.

The real reasons?

🏡 Rent is a forever negotiation.
🏡 A mortgage forces wealth-building.
🏡 Stability and roots are becoming a luxury.
🏡 Inflation can work in your favor.
🏡 The goal isn’t a house. It’s control.

Control over your space.
Control over your future.
Control over the life you’re building.

Buy a home if it aligns with your goals—not because a lender, Realtor, or influencer told you to.

But don’t underestimate the power of owning the roof over your head.

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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