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

Heather Ducker, Mortgage Loan Originator, NMLS# 544769

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United States
Eugene, OR
Heather Ducker, Mortgage Loan Originator, NMLS# 544769

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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. NMLS ID #1820.
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Mortgage Loan Officer & Producing Branch Manager | CMG Home Loans | Eugene & Springfield, OR | Move-up & luxury home financing | Licensed in OR & AZ | NMLS #544769 | Branch NMLS #2476492 | CMG NMLS #1820 CMG Mortgage, Inc. is an equal housing lender. 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. CL-1820. 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

11/02/2026

🚨 Home prices just fell for the first time in over 3 years. But that’s NOT the story I’m watching.
According to Redfin’s October 29 report, national home prices dipped 0.1%, while pending home sales hit record lows.
Here’s what most buyers are overlooking. 👀
When sellers have less competition for their homes, the opportunity isn’t always a lower price.
Sometimes it’s negotiating seller contributions toward closing costs or a mortgage rate buydown.
💡 A $15,000 price reduction and a $15,000 seller contribution can create very different financial outcomes.
Don’t just negotiate the price. Negotiate the STRATEGY.
📩 Comment STRATEGY and I’ll send you my FREE Seller Contribution Playbook, with examples showing how these options compare.
📰 Source: Redfin, October 29, 2026 https://f.mtr.cool/2h5v7ue2uq

National market data; local conditions vary. Seller contributions are subject to loan-program guidelines and eligible costs.

11/02/2026

11/01/2026

Sunday reset. A new month. A little room to think about what comes next. 🏡

Before you scroll through another listing, pause and ask yourself:
• What do I love about my current home?
• What no longer fits my life?
• What monthly payment would leave room for the things I enjoy?

You don’t have to make a big decision today. Sometimes the next step is simply getting clear on what you want—and having a conversation about what it could take to get there.

If a move is on your mind, send me a message. We can start with your questions.

Heather Ducker | CMG Home Loans | NMLS #544769
CMG Mortgage, Inc. | NMLS #1820 | Equal Housing Opportunity

10/31/2026

Every superhero needs a team. Mine has eight paws on the ground and one cat doing whatever she wants. 😂🦸🏻‍♀️🐾
Asti and Chino are on neighborhood watch. Reese is the reason we need neighborhood watch.
Happy Halloween from me and my slightly questionable backup crew. 🎃🖤

10/30/2026

If you know me, you know you’re probably going to see what I’m thinking before I say it. 😂🤷🏻‍♀️

10/29/2026

Feeling a little attacked?

Mine’s just the cat. 😂🐾

Loan officers, if you’ve been wondering what a little more support could look like, let’s talk. I’m happy to share my experience at CMG and hear what you’re looking for.
A conversation isn’t a commitment. 👀

10/27/2026

Wanting a new home is the easy part. Figuring out how to buy it when you still need to sell yours? That’s where the questions start.
Do you sell first? Where does the down payment come from? What if the timing doesn’t line up?
You don’t have to figure it all out on your own. Let’s look at your options and make a plan you feel comfortable with.
Comment MOVE and I’ll send you my free Move Before You Sell Playbook. 🏡

10/24/2026

Apparently, my witchy alter ego runs on matcha, big dreams, and Boxer cuddles. 🎃✨

A little business, a little magic, a whole lot of becoming. House keys, a microphone, blue roses, and my furry crew… honestly, the only unrealistic part is how clean everything is. 😂🧙🏻‍♀️

What would your Halloween alter ego have to include?

10/22/2026

Teaching is one of my favorite parts of this business. ❤️

Spent part of today at Keller Williams teaching my Buyer Source Heist workshop—talking about finding opportunities, connecting with buyers, and turning ideas into action.

I love getting in a room with agents who are willing to share, learn, and keep growing together. Thank you, KW, for having me!

Heather Ducker | NMLS 544769

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

http://www.heatherduckerteam.com/

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