Andy Lesher CMG Home Loans

Andy Lesher CMG Home Loans We are here to serve you with all of your mortgage needs. FHA, USDA, VA, Conventional Loans. Branch Sales Manager
NMLS ID # 397058 | Co.

NMLS ID # 1820
Equal Housing Opportunity Home Loans Made Human

No matter if you’re buying, selling, refinancing, or building your dream home; it’s important to work with an experienced and knowledgeable team. As an expert Personal Mortgage Advisor, I have the knowledge and resources you need in order to stay current with market conditions and frequently changing mortgage programs. Ensuring that y

ou make the right choice for you and your family is my ultimate goal. Ready to take the next step? Use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan. As always, you may contact me anytime by phone or email for personalized service and expert advice. I look forward to helping you into the home of your dreams!

Price reductions are becoming more common again as sellers compete for a smaller pool of buyers.Sometimes reducing the p...
09/03/2026

Price reductions are becoming more common again as sellers compete for a smaller pool of buyers.

Sometimes reducing the price is absolutely the right move.

But if the buyer’s actual objection is monthly payment, it’s worth looking at the financing before assuming price is the only lever available.

✅ Could seller concessions help?
✅ Could a rate strategy change affordability?
✅ Could closing-cost assistance preserve the buyer’s liquidity?

The answer will depend on the buyer, loan program and property.

But this is exactly why financing belongs in the listing strategy conversation before the offer ever arrives.

So to all who say they are a listing agent, well we are a listing lender ready to help. 😉

Realtor friends, correct me if I’m wrong, but “I’m waiting for rates” has become one of the most common ways buyers paus...
09/02/2026

Realtor friends, correct me if I’m wrong, but “I’m waiting for rates” has become one of the most common ways buyers pause the conversation.

Yet, when offered a causal lender conversation… we have discovered this “objection” isn’t always the actual problem.

- Sometimes they’re worried about the payment.
- Sometimes they’re afraid of buying at the wrong time.
- Sometimes they haven’t seen what seller concessions could do.
- And sometimes they simply need permission to slow down and understand the numbers.

For agents and lenders, that distinction matters.

B/c we can’t solve the wrong objection.

The strongest buyer conversations right now may start by asking what “waiting for rates” actually means to that particular person.

Do you agree?

Home maintenance is one of those things that’s easy to forget until something stops working. Staying on top of a few sma...
09/01/2026

Home maintenance is one of those things that’s easy to forget until something stops working.

Staying on top of a few small tasks each month can help prevent bigger repairs and keep your home running the way it should.

Swipe through this month’s checklist and save it so you can come back to it when you’re ready to tackle a few things around the house.

The market heading into 🍂 September looks very different from the one many buyers still have in their heads.✅ Inventory ...
08/31/2026

The market heading into 🍂 September looks very different from the one many buyers still have in their heads.

✅ Inventory is higher.
✅ Buyer demand has softened.
✅ And in many markets, sellers are becoming more realistic.

That creates an opportunity for agents who can help serious buyers understand what has actually changed.

The conversation isn’t simply, “Rates are high.”

It’s:

🎯 What can we negotiate?
🎯 What properties have been sitting?
🎯 Where is the seller motivated?
🎯 Could concessions improve the financing?
🎯 What would make the numbers work?

Sometimes the opportunity isn’t waiting for the market to change… It’s recognizing that it already has.

08/28/2026

A 20% down payment is not the only path to buying a home.

Depending on your eligibility, property, location, and loan program, options may include VA or USDA financing, FHA or low-down-payment conventional loans, down payment assistance, gift funds, and certain builder or seller incentives.

The better question is not simply, “What’s the least I can put down?” It’s how your down payment affects your cash reserves, monthly payment, loan options, and overall financial position.

We can help you compare the options and decide what makes sense for your situation.

Multigenerational home buying is not just a real estate trend. It is a family planning conversation.Some families are lo...
08/27/2026

Multigenerational home buying is not just a real estate trend. It is a family planning conversation.

Some families are looking at housing differently right now.

A parent may need more support.
An adult child may be back at home.
Care costs may be rising.
Equity may be available, but there is no clear plan for how to use it.

That is where a family housing strategy can matter.

As the goal isn’t to simply “get approved”? For most, it’s to understand whether the move supports the family’s cash flow, care needs, ownership structure, and long-term financial position.

A few questions we would want answered early:

Who will live in the home?
Who will be on the loan?
Who will be on title?
Where will the down payment come from?
How will the monthly payment be handled?
What happens if someone’s health, income, or living situation changes?

These aren’t small details. They can affect financing, taxes, estate planning, family expectations, and future flexibility.

We help families slow the decision down enough to see the full picture. 🌅

A smart move is the one your family can still feel good about later.

08/26/2026

Buying a home is a huge milestone, but protecting your family goes far beyond closing day.

If you have children, make sure these essentials are in place:

• A will that names a guardian.
• A living trust, if it fits your family's needs.
• Enough life insurance to help protect your loved ones.
• Updated beneficiaries on retirement accounts.
• Medical and financial powers of attorney.

These aren't just legal documents. They're part of your family's financial plan and can provide clarity during life's unexpected moments.

Take a few minutes to review what you already have in place and what still needs attention. Future you, and your family, will be glad you did.

Buying a home is about more than finding the right interest rate.The mortgage you choose can affect your monthly budget,...
08/25/2026

Buying a home is about more than finding the right interest rate.

The mortgage you choose can affect your monthly budget, long term costs, and financial flexibility for years to come.

That's why it's important to understand the details, like closing costs, loan terms, pre-approval, and your options to negotiate.

The more you know before you buy, the more confident you'll feel when it's time to make an offer.

Our job is to help you make informed mortgage decisions, not just help you get a loan.

08/24/2026

A mortgage is more than a transaction. It's the beginning of birthdays around the kitchen table, first holidays, quiet mornings, and the moments a house becomes home.

What a privilege it is to help families make one of the biggest financial decisions of their lives and create a path to the place where those memories will be made.

That's why we focus on helping people make smart mortgage decisions, not just getting to the closing table.

08/22/2026

Most buyers read a listing and take every word at face value.

The problem is that listing descriptions are written to market a home, not explain the seller's situation.

Here's what a few common phrases may actually mean:

• Motivated seller: The seller may have a deadline, but it doesn't automatically mean they'll accept a lower offer.

• Priced to sell: It may be priced competitively, or it may be designed to attract multiple offers.

• As-is: The seller may not plan to make repairs, but you should still protect yourself with a thorough inspection.

The words in a listing are only one piece of the puzzle. Market conditions, comparable sales, days on market, and the seller's goals all help shape the right offer strategy.

Before you assume you know what a listing means, make sure you're looking at the full picture.

Address

2311 West 22nd Street, Suite 201
Oak Brook, IL
60523

Telephone

+16306770142

Website

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