Charles Terry CMG Home Loans

04/02/2026

📍 4830 Tomandee Ln, Shingle Springs, CA
💰 Now Offered at $549,000

MAJOR PRICE IMPROVEMENT listed by Mark Speelman - Realtor at Realty ONE Group Complete Folsom Realty ONE Group Complete

Set on a full acre of private, serene land, this custom 2 bed, 2 bath home brings together comfort, updates, and space in a way that’s hard to find at this price point.

Inside, the open-concept layout is designed for real living — not just looks. You’ll notice the details right away: hardwood floors, fresh paint, updated baseboards, and a fully remodeled guest bath that’s already done for you.

The kitchen is practical and well thought out, with a walk-in pantry and built-in trash compactor — small things that make a big difference day to day.

The primary suite gives you that “end of the day exhale” — oversized whirlpool bath tub, peaceful views, and a true walk-in closet.

And then there’s the outside…
An expansive redwood deck, room to entertain, space to unwind, and the kind of privacy people are actively searching for right now.

Big-ticket items are handled:
✔️ New garage door (2023)
✔️ New water heater
✔️ Plantation shutters
✔️ Updated deck railings

Plus the extras that make it feel like home — whole house fan, wood stove, 2-car garage, and a detached shed for storage.

At this new price, you’re not just buying a home — you’re stepping into space, privacy, and a lifestyle that’s getting harder to find.

Reach out if you want a private tour or more details.

Charles Terry - Charles Terry & Team
📲 (916) 833-3887
📧 [email protected]
🌐 cmghomeloans.com/mysite/charles-terry

02/24/2026

Success Week Recap 🚀

Packed room. Big energy. Real conversations. Real wins.

Success week we talked growth — not just surviving this market, but expanding in it. While others are contracting, we grew 16% year over year. That doesn’t happen by accident. It happens with alignment, leadership, speed, and the right people in the room.

We dove into:
📊 Where rates are really trending (watch that 10-Year Treasury 👀)
⚡ Why speed to underwriting matters now more than ever
💡 Creative financing + down payment assistance options available for the nontraditional buyer
☀️ Solar education (because what’s on the roof matters just as much as what’s inside the home, and we are bringing continued education to our loan officers and agents EVERY month)

Now let’s talk WINS, a success week has to have wins.

🔥 Charles Terry and Team's own ➡️ Marshell McGehee - CMG Home Loans’s Win
Two county employees. First-time buyers. Tight timeline. Lease renewal looming.
Placed them into a first-time buyer program and closed in 14 days.
File submitted → underwriting next day. Appraisal ordered immediately. No lag. Just ex*****on.

That’s what happens when your lender is proactive, not reactive. Marshell a HUGE round of applause for showing what this team is all about.

🔥 ROGs Win – Alisha Woodward's (One of our Many Amazing Partners in the Realty ONE Group Complete Folsom Office)
Alisha hosted a first-time homebuyer class. Promoted it for two months.
RSVPs?
One.

Most Agents? Probably cancel it. She didn't.
She showed up anyway.

Two months later, signed closing docs on his first home.

That’s the lesson:
Don’t cancel the class.
Don’t miss the call.
One person can turn into one deal. One deal turns into a relationship. Relationships build businesses.

And that’s what this week was about.

If you’re a loan officer wondering what it would look like to plug into a machine that’s built to grow…

We're ready to help you build!

Big momentum.
Big collaboration (can I just say Realty ONE Group Complete are amazing partners).
Big 2026 energy.

02/21/2026

Rocklin friends — this one is worth your Saturday stop. 🏡

My amazing partner Wendi Cunningham, Realtor is hosting an open house at 4067 Whitney Vista Ln in the Skyline neighborhood, and it checks all the boxes if you’ve been waiting for a true view property.

📍 Saturday, Feb 21
⏰ 11:00 AM – 2:00 PM

Single-story estate ✔️
Panoramic views & sunset skies ✔️
Infinity pool + spa ✔️
Indoor-outdoor living ✔️
Owned solar ✔️
No HOA ✔️

Don't miss this one — elevated lot, wide-open feel, and the kind of backyard that makes you want to host every gathering from now on. Plus you’re minutes from everything Rocklin has to offer with quick access to I-80.

If you’re even thinking about upgrading, relocating, or just want to see what’s possible in today’s market, go take a look. Wendi will take great care of you.

Have questions about financing, buying power, or what it would take to make a move? I’m always here to help.

Charles Terry — Charles Terry & Team
📲 (916) 833-3887
📧 [email protected]
🌐 cmghomeloans.com/mysite/charles-terry

02/10/2026

02/09/2026

What a night at the ROG Ranch celebrating the agents who continue to raise the bar. 🏆🤠

Huge congratulations to all of the award winners — the work, dedication, and consistency it takes to reach these milestones deserves to be celebrated big. We’re incredibly proud to support and partner with the amazing agents of Realty ONE Group Complete , and events like this are a reminder of just how strong this community really is.

And let’s be honest… having the cast of Yellowstone pop in via live stream to personally congratulate the winners? Unreal. 🔥 That extra touch made an already special night even more memorable.

Grateful for the partnership, the collaboration, and the chance to celebrate wins together — here’s to many more. 🙌

02/06/2026

02/05/2026

Come join us at Realty ONE Group Complete, any office, multiple days for our Solar Power Hour hosted by Rocklin Solar Repair! ☀️ 🏡

Take a deeper dive into solar systems and the questions that come up during a transaction.

Join Us:
Natomas Office - 2/9 at 11 AM
Sacramento Office - 2/10 at 11 AM
Folsom Office - 2/11 at 11 AM
Rocklin Office - 2/12 at 11 AM

See you there! 👋

02/04/2026

January set the tone. 👏

Our first Lunch & Learn of the year was one of those reminders of why we do these—real conversations, real education, and real value for our agent partners. This month’s topic, What Every Agent Should Know About ADUs, sparked the kind of questions and engagement that tell you something clicked. Huge thank you to our special guest Golden State ADUs for bringing insight agents can actually use in the field. 🏡

A big shoutout to Myles Brenner -CMG Home Loans , Marshell McGehee - CMG Home Loans, and Mark Nowak at CMG —the prep, the coordination, the follow-through… all of it showed. These rooms don’t become successful by accident, and the work behind the scenes is what made this one hit the way it did. 🙌

And to our partners at Realty ONE Group Complete Realty ONE Group Complete Sacramento Realty ONE Group Complete Folsom —thank you for always being all in. The collaboration, support, and shared commitment to education is what allows everyone in the room to win at a higher level. 🤝

Moments like this are also a reminder of what it’s like to be part of Charles Terry & Team—working alongside people who care about growth, education, and real partnership, with the backing of incredible partners. If you’re a loan officer who wants this level of support, collaboration, and momentum, this is the kind of environment we’re building every day. Call us.

January was strong. The momentum is real. And if this is how we’re starting the year, we’re more than ready for the greatness ahead in 2026. 🚀

01/27/2026

Growth doesn’t happen in isolation — it happens with the right partners around you, supporting you. 🙌

At Charles Terry and Team at CMG Home Loans, we’ve built something special. A team of loan officers who collaborate, share wins, and push each other to be better — all while being backed by national support, real tools, and real leadership. ✅

One of the biggest advantages? Working side-by-side with our incredible partners at Realty ONE Group Complete. With offices we’re embedded in and 700+ amazing agents across the region, the collaboration here isn’t theoretical — it’s daily, organic, and built on trust. 🤝

If you’re a loan officer who wants:
• Strong local relationships
• A referral-driven environment
• Flexibility without sacrificing support
• A team that actually shows up for each other

This might be worth a conversation.

No pressure. No hard sell. Just an opportunity to see what building something together could look like. Call Myles Brenner -CMG Home Loans , Marshell McGehee - CMG Home Loans, or Myself. We are here to help you grow! 📲

Charles Terry - Charles Terry & Team
📲 (916) 833-3887
📧 [email protected]
🌐 cmghomeloans.com/mysite/charles-terry

01/21/2026

Sometimes the “no” just means you haven’t talked to the right lender yet. 🤔

At CMG Charles Terry and Team has got programs and flexibility that can turn that “not this time” into a solid yes, let’s do this! 🙌

If you’ve been told no before, let’s chat — your homeownership story might just need a new chapter. 💬

Charles Terry - Charles Terry & Team
📲 (916) 833-3887
📧 [email protected]
🌐 cmghomeloans.com/mysite/charles-terry

01/20/2026

One of the best parts of this business is getting to connect in real life — good food, solid conversations, and people who truly care about their clients. 🙌

I had lunch in Sacramento with Jillian Robinson from Coldwell Banker at Mikuni Japanese Restaurant and Sushi Bar off Fair Oaks and we had the best time catching up and strategizing for 2026! A great reminder of how much stronger this industry is when you collaborate with good humans who know their stuff and show up for the people they serve. 😎

Always appreciate the time, the partnership, and the conversations. 🍣🤝

01/20/2026

Buying your first home usually comes with a lot of pressure — tight timelines, big decisions, and a whole lot of unknowns.

John and his family needed to move quickly, drop contingencies, and still feel confident every step of the way, and I don’t take that kind of trust lightly.

My job is to make things clear, honest, and as stress-free as possible. Especially when the clock is ticking. From day one, our focus was simple. Communicate openly, handle the heavy lifting, and make sure John never felt left in the dark. ✅

Hearing that the process felt easy, transparent, and calm (especially for a first-time buyer!) means everything to me and my team. ♥️

John, thank you for trusting us with such a big milestone. Grateful to have been part of your journey and cheering you on as you settle into your first home. 🏡👏

Charles Terry - Charles Terry & Team
📲 (916) 833-3887
📧 [email protected]
🌐 cmghomeloans.com/mysite/charles-terry