Linda Perniciaro Lending

08/24/2026

STR Cash/Out Refinance. Thank you for trusting me with your cash/out refi on your beautiful Galveston short term rental property!

Whether you are looking to pull funds from your STR or purchase a new STR, message me or call me to discuss best fit loan programs for your scenario.

07/29/2026

Recently retired with limited income? If you are asset strong with limited income, there are still ways to qualify for a mortgage without needing to deplete all your cash.

07/28/2026

If you are looking to buy before you sell, a bridge loan followed up by a recast might be the way to go!

A recast is typical if you bought a new home before you sold your last home. Once the old home is sold, you may want to apply the large lump sum proceeds to the loan balance of the new property. Once applied to the balance, the 30 year loan is shortened by a few years depending on the amount while the monthly payment remains the same....unless you recast your loan. A recast is not a refinance, it is just a recalculation of your monthly payment based on the new balance. Each loan type, Jumbo, conventional, FHA, has fairly simple recast guidelines that must be met.

Message me to find out more!

06/16/2026

Movin' on up! We've consistently moved up the ranks from #17 when I first started here at CMG to #3 National Lender! Why? Here are a few reasons:

* Loan programs by the hundreds! We understand each borrower is unique with a unique set of circumstances. If we can't find a program in-house to meet your needs, we have best-in-class lender partners we can broker to.
* Commitment to on-time closings by all levels from loan officer, to processing, to underwriting all the way to the closing team! (Many cases of early closings).
* Competitive rates. Our rates are at or below industry averages with our investment and second home programs being some of the best in the business.
* No hidden fees. No bait and switch. No hard sell. Just great programs and great customer service each and every time.

06/15/2026

Thank you to all my wonderful clients and referral partners for making April a personal best month.

06/15/2026

So happy for this first time home buyer who is rocking his new home! If your builder's mortgage team says no, reach out to us! We have an extensive list of programs beyond the short list provided by lenders or credit unions. In house as well as brokered out.

06/09/2026

As a self-employed borrower you have unique income streams. Whether 1099, sole-proprietor, LLC partnership or S-corp, we've got you covered!

04/17/2026

04/07/2026

Clear-To-Close in 7 days! Closed in 16 days!

Loved working with these clients. We can move fast when borrowers and Realtors are on their documentation "A-game". I know it can feel overwhelming with the number of documents required by mortgage these days, but being organized can help make the mortgage process so much smoother and even win deals.

03/27/2026

So grateful to work with such amazing Realtors and their clients! Thank you for being such wonderful clients and for trusting me with your financing. Welcome to 77079! 🥰

Finding the right property and getting to the closing table quickly often takes a wonderful Realtor/Lender Team! If you are looking to purchase in Houston, Austin or Dallas luxury markets and need top-notch service and programs, send me a dm and I will connect you to my wonderful Realtor partners. Welcome to Texas! 🤠

CMG Financial dba CMG Home Loans is the nations #5 ranked Top Overall Lender per the Scottman's Guide. https://www.scotsmanguide.com/rankings/top-mortgage-lenders/2025-top-overall-lenders/
With over 400 loan programs, including over 25 Jumbo investors 🏦 , we are sure to have a loan program for you.