Andy Lesher CMG Home Loans

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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 you 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!

The house that was perfect for raising a family might look a little different from the home you want to grow old in. ❤️M...
10/16/2026

The house that was perfect for raising a family might look a little different from the home you want to grow old in. ❤️

Maybe you don't need all those extra bedrooms anymore... or maybe you'd rather have less to maintain and more time to enjoy life together.

Or perhaps the home you're already in is exactly where you want to be.

Because finding the right home isn't always about getting something bigger or better.

Sometimes it's about recognizing what matters most in this season of life.

And making room for more of it. 🏡

Nearly 6 in 10 parents say they have helped, or plan to help, their kids buy a home.That help can take different forms, ...
10/15/2026

Nearly 6 in 10 parents say they have helped, or plan to help, their kids buy a home.

That help can take different forms, from contributing toward a down payment to providing a gift or loan.

But before money changes hands, it helps to understand how that support may affect the mortgage process.

If homeownership is becoming a family conversation, we can help you look at the financing options and structure the plan before you start moving money around.

The lowest mortgage rate does not automatically mean the best mortgage strategy.A lower rate can sometimes come with upf...
10/14/2026

The lowest mortgage rate does not automatically mean the best mortgage strategy.

A lower rate can sometimes come with upfront costs, discount points, or other tradeoffs. The question is whether paying those costs actually makes sense for how long you expect to keep the loan.

That is why we look beyond the advertised rate. We compare the rate, costs, expected time in the home, cash you want to keep available, and your broader financial plans.

Sometimes paying for a lower rate can make sense. Sometimes keeping that cash is the smarter move.

Before choosing a mortgage because the rate looks better, ask what you are paying to get it.

10/13/2026

If buying a home was part of your plan this year, what’s making you hesitate right now?

Rates?
Not finding a deal that makes sense?
Needing to sell your current home first?

Each one calls for a different strategy.

Before you decide to wait, it can help to look at the numbers, your options, and what would actually need to change for a move to make sense.

Vote in the poll, or message us if your situation needs more than a multiple-choice answer.

A bankruptcy, foreclosure, or short sale does not automatically mean homeownership is off the table forever.Depending on...
10/12/2026

A bankruptcy, foreclosure, or short sale does not automatically mean homeownership is off the table forever.

Depending on the loan program, the type of credit event, how much time has passed, and your financial history since then, you may have a path back to buying sooner than you think.

FHA, conventional, VA, and USDA loans each have different guidelines, and some situations may allow exceptions.

Before assuming you have to wait years, let’s look at your specific situation and build a realistic plan for what comes next.

When a home is involved in a divorce, the mortgage can become one of the biggest financial decisions on the table. Keepi...
10/09/2026

When a home is involved in a divorce, the mortgage can become one of the biggest financial decisions on the table.

Keeping the house, selling it, refinancing, or buying again may each come with different financing considerations.

The earlier you understand what may be possible, the easier it can be to make decisions with clearer numbers instead of assumptions.

We help you understand the mortgage side so you and your professional advisors can evaluate the path forward.

A home becomes part of your financial life, but its value is not only measured in dollars. It is where routines form, mi...
10/08/2026

A home becomes part of your financial life, but its value is not only measured in dollars.

It is where routines form, milestones happen, and ordinary days turn into memories.

When you are thinking about buying, we help you look beyond getting a mortgage and make a financing decision that supports the life you want to build there.

Feeling cramped does not always mean you should move tomorrow. Before shopping for a bigger home, look at your current e...
10/07/2026

Feeling cramped does not always mean you should move tomorrow.

Before shopping for a bigger home, look at your current equity, monthly cash flow, future space needs, and what a new mortgage could mean for the rest of your finances.

We can help you run through those pieces before you decide whether moving up makes sense.

A 7%+ mortgage rate can feel like the elephant in the room when you're thinking about buying a home... And yes, the rate...
10/06/2026

A 7%+ mortgage rate can feel like the elephant in the room when you're thinking about buying a home... And yes, the rate matters.

It affects your payment, purchasing power and the overall cost of financing.

But fear isn't a home buying strategy.

Before deciding that today's market automatically means you should wait, we can look at the entire financial picture.

How much home actually fits your budget? How much cash should you keep in reserve? Could seller concessions change the financing strategy? Does paying down another debt first make sense? How long do you expect to own the home? What would need to be true for buying now to make sense for you?

Sometimes running those numbers tells us waiting is the better move.

Other times, it shows us a path that wasn't obvious when all you could see was the rate.

My goal isn't to talk you into buying in a 7%+ rate environment... but rather to take some of the fear out of the decision by replacing assumptions with actual numbers.

If buying a home is on your radar this Fall, let's look at the whole picture before you decide what's next.

How far is housing affordability from “normal”?Well, thanks to ICE Mortgage Technology who recently put some numbers aro...
10/05/2026

How far is housing affordability from “normal”?

Well, thanks to ICE Mortgage Technology who recently put some numbers around this exactly question many are thinking...

They looked at the 3 big pieces of housing affordability: incomes, home prices and mortgage rates.

Then they asked how far one of them would have to move, while the other 2 stayed exactly where they were, to bring national affordability back to its long-run historical average.

The results were pretty striking.

Incomes would need to rise 19%.
Home prices would need to fall 16%.
Or mortgage rates would need to fall 1.60 percentage points, from 6.59% to 4.99%.

That doesn't mean ICE is forecasting 4.99% mortgage rates or a 16% housing correction. It's a math exercise meant to show how large the affordability gap still is.

BUT - There's another number worth knowing. ICE calculated that principal and interest on the average-priced U.S. home required 29.8% of median household income, assuming 20% down and a 30-year fixed mortgage. That's improved from the 35% cycle high in October 2023.

So affordability has been improving. We're just not back to the historical average.

For buyers, we think there's a more useful takeaway than trying to guess which of those 3 numbers moves next.

Your personal affordability doesn't have to wait for national affordability to return to normal.

Maybe your income changes. Maybe prices behave differently in the neighborhood you're watching. Maybe rates move. Maybe a seller is willing to help with eligible costs. Maybe your debt picture or available cash changes.

Usually it's a combination of factors, not one magic mortgage rate.

If you've been sitting on the sidelines wondering what would actually need to change for buying to make sense, send us a DM. Tell us what's holding you back, and we can start there.

Address

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

Telephone

+16306770142

Website

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