Team Jay Ray - Loan Officer with CMG Home Loans, NMLS ID# 168692

Team Jay Ray - Loan Officer with CMG Home Loans, NMLS ID# 168692 CMG Home Loans: Delivering the right loans for the right reasons in a way that exceeds all expectations. That is our business.

How is Gen Z reshaping the path to homeownership? 🏘️From living with family to save for a down payment to exploring alte...
06/18/2026

How is Gen Z reshaping the path to homeownership? 🏘️
From living with family to save for a down payment to exploring alternative housing options, this generation is taking a pragmatic approach to building wealth through homeownership.
See how today’s youngest home buyers are making it happen:
http://spr.ly/6188BDOcbn

A great home deserves a great offer! With List & Lock™, you can showcase discounted rates that attract more buyers and h...
05/20/2026

A great home deserves a great offer! With List & Lock™, you can showcase discounted rates that attract more buyers and help homes sell faster.

Want to make your listing stand out? Let’s connect today!

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

&lock

Traditional Mortgage vs. All In One Loan 🏡⚖️With a traditional mortgage, your money sits in a bank while you slowly chip...
05/11/2026

Traditional Mortgage vs. All In One Loan 🏡⚖️

With a traditional mortgage, your money sits in a bank while you slowly chip away at interest.

With the All In One Loan, your income works with your mortgage—helping you pay down principal faster and save thousands in interest. 💸
Same house. Smarter strategy.

Ready to rethink the way you finance your home?

📲 Let’s see which option fits your financial goals best.

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

Thinking of buying a fixer-upper or upgrading your current home? A Renovation Loan combines the cost of purchasing or re...
05/06/2026

Thinking of buying a fixer-upper or upgrading your current home? A Renovation Loan combines the cost of purchasing or refinancing with renovation expenses into a single loan!
✅ One loan, one monthly payment
✅ Finance updates big & small
✅ Low down payment options available.

Let’s make your dream home happen!

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

Dreaming of a walk down the aisle and through the front door of your first home? 💍 I’m here to make homeownership a real...
05/01/2026

Dreaming of a walk down the aisle and through the front door of your first home? 💍 I’m here to make homeownership a reality, so ditch the blender & trade up to that address you’ve always wanted!

If you're tying the knot, let's tie up your mortgage plans too. Join the growing number of newlyweds who've made home their first milestone together.

Curious about how we can make your homeownership dream come true? Reach out and let’s make a plan that fits perfectly into your love story. Comment below or send me a direct message to get started.

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

🔁 Turn Your Home Equity into Retirement Flexibility!If you're 62 or older, a reverse mortgage can help you access the eq...
04/29/2026

🔁 Turn Your Home Equity into Retirement Flexibility!
If you're 62 or older, a reverse mortgage can help you access the equity in your home—tax-free—without selling or making monthly mortgage payments (borrower still responsible for taxes & insurance).
Whether it’s supplementing income, covering healthcare costs, or just enjoying retirement on your terms, this could be the solution you’ve been looking for.

Let’s see if a reverse mortgage fits your goals.
This ad is not from HUD or the FHA and was not approved by HUD or any government agency

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

🔑 Renting vs. Owning — What’s the real cost?⁠If you're currently renting, you're already paying a mortgage… it's just no...
04/27/2026

🔑 Renting vs. Owning — What’s the real cost?
⁠
If you're currently renting, you're already paying a mortgage… it's just not yours. 🤯 Every rent check you write helps build your landlord’s wealth — not yours. ⁠
⁠
Here’s why making the switch to homeownership could be a smarter move:
🏠 Your monthly payments go toward your equity
📉 Enjoy the stability of a locked-in monthly payment
💰 Get tax advantages and potential home appreciation*
🎨 Freedom to customize and make the space your own
⁠
Rent increases and zero return on your money don’t have to be your reality. Let's explore your path to ownership and start building your financial future.

*For tax advice, please contact a tax professional.
⁠
📲 DM me to get started or see what you could afford today.

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

💰 Thinking about tapping into your home equity? A cash-out refinance could be the key. Here are 5 smart ways to use the ...
04/24/2026

💰 Thinking about tapping into your home equity? A cash-out refinance could be the key. Here are 5 smart ways to use the funds:

🛠️ Home renovations & upgrades

🧾 Consolidate high-interest debt

🎓 Pay for education expenses

🚗 Make a big purchase (car, RV, etc.)

💼 Invest in a business or other goals

It’s your equity—make it work for you! Let’s talk about what’s possible with today’s market.

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

Address

10609 N Hayden Road Ste 100
Scottsdale, AZ
85260

Telephone

+16025701744

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