CMG Home Loans - Justin Macagba

05/27/2026

Incredibly grateful for helping these first-time homebuyers get into their first place. If you know of anyone that needs their hand held throughout the process, I am more than happy to be their guide!

05/22/2026

Your monthly payment is one of the biggest factors in determining how much home you can afford, and interest rates play a direct role in that equation. When rates move higher, buying power can shift even if home prices stay the same. That’s why timing, strategy, and exploring different loan options can make a meaningful difference in your home search. Even in changing rate environments, there are often ways to structure a loan that still fits your goals and budget. Reach out to me and I can help you figure out what makes the most sense for your situation.

Your monthly payment is one of the biggest factors in determining how much home you can afford, and interest rates play a direct role in that equation. When rates move higher, buying power can shift even if home prices stay the same. That’s why timing, strategy, and exploring different loan option...

05/19/2026

📄 Buying Your First Home?

Start Gathering These Docs! Having these ready early can make the process so much smoother.

Not sure where to start?
I’ve got a checklist with your name on it! 🏡💼

https://myoc.io/MacaMortgage

CMG Home Loans NMLS ID # 1820 (www.nmlsconsumeraccess.org, www.cmghomeloans.com)

05/18/2026

Great way to start the week!!! Thank you James and thank you Crystal Ashman for your continued partnership and trust working with your clients!

05/12/2026

Honored to be recognized as a top 1% mortgage originator in America by Mortgage Executive Magazine for 2025.
18+ years. Hundreds of families. A lot of late nights running numbers to make a deal work.
This one's for every client who said yes, every Realtor who made the introduction, and my team — Andrea and Melissa — who makes it all run.

NH. MA. ME. FL. Let's keep going.
📞 603-323-0755 | 🌐 https://www.cmghomeloans.com/mysite/justin-macagba

05/11/2026

Couldn't think of a better way to start the week then to have received the below testimonial from a customer I had worked with previously!

Hope your week is off to a great start!

05/08/2026

Buying a home involves more than just your upfront investment.

There are additional expenses that come with owning a home, both at closing and over time, so it’s important to plan ahead.

When you know what to expect, you can budget with confidence and focus on finding a home that truly fits your financial picture. You’ll also be better prepared to handle both expected and unexpected costs without added stress.

With the right planning, homeownership can become a powerful way to build long-term wealth and financial stability.

Buying a home involves more than just your upfront investment. There are additional expenses that come with owning a home, both at closing and over time, so it’s important to plan ahead. When you know what to expect, you can budget with confidence and focus on finding a home that truly fits your f...

05/06/2026

***Important read if you're a Realtor or are pre-approved to buy a home***

Back in November, Fannie Mae waived their minimum mid fico requirements. A hurdle that was just presented this morning will prevent these borrowers putting less than 20% down from getting Mortgage Insurance, inevitably denying them access to conventional financing.

Watch the below video to learn more and scrub your buyer pipeline!

Fannie Mae's recent change to eliminate minimum mid-FICO credit score requirements has significant implications for borrowers in conventional financing. However, it has been announced that as of April 6, mortgage insurance providers have reinstated a minimum credit score requirement of 600, impactin...

04/15/2026

Proud to share that I've been named a 2026 Scotsman Guide Top Originator — ranked #3195 in Top Dollar Volume and #3220 in Most Loans Closed nationally.

In a market defined by rate volatility, affordability pressure, and cautious buyers, 98 families still made moves. That's what this is really about.

18 years in this industry has taught me that production numbers are a byproduct of trust. Trust built one conversation, one file, one phone call at a time.

To every Realtor, financial advisor, attorney, and referral partner who sent someone my way — thank you. That trust means everything and I don't take it for granted.

If you work with clients navigating home purchases, divorce, renovation financing, or complex mortgage situations in NH, MA, ME, or FL — I'd welcome the conversation. I'm particularly focused on cases other loan officers find complicated.

Let's connect. 👇