Home financing. Human perspective.

A home is just
the beginning.

Explore your payment, cash needs, and financing options. Then put a local mortgage advisor behind your next decision.

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The Hogue Team at CMG Home Loans
Huntington Beach & Orange County

MAKE THE NUMBERS YOURSMeet your next “what if.”

In our clients’ words

Nick was VERY patient with me and kindly walked me through this entire process.

Ga Yeong Y. · IrvineRead client experiences Individual experiences do not guarantee approval, terms, or results.

Tools & calculators

Start with your question.

Explore an illustration without sharing contact details. When you want a second look, send the same numbers to our team.

Already have a loan in mind? Compare payment and payoff

Different lives.
Different possibilities.

Your income, your stage of life, your next ambition. Start there. The loan should follow.

A first home. A growing portfolio. A different kind of income.There is a place to start.

Browse all financing guides

The planning lab

Less guessing.
More seeing.

What if you put more down? What if you paid a little extra each month? Move the numbers. Watch the possibilities change.

A working tool. Your assumptions.

Start with an illustration. Then build a plan with someone who can see the whole picture.

Interactive planning labPayment + payoff

A little extra. A different timeline.

Purchase priceDown payment

Down payment $170,000Loan amount $680,000

Edit rate & ownership costs

The rate below is an editable example, not a current rate or loan offer.

Interest rate (annual)Loan termProperty tax / yearInsurance / monthHOA / month

Extra principal each month$500/mo

Move the slider. See what consistent extra payments could change.

Estimated monthly totalBefore extra principal$5,383

Principal + interest: $4,298
Taxes, insurance + HOA: $1,085
Including your extra principal: $5,883

Mortgage insurance is excluded and may be required. This is not a qualification estimate.

Your remaining loan balance

Over 30 years

At year Scheduled$576,478With extra$492,276

Modeled interest avoided$250,893Across the full loan repayment

Modeled time saved7 yr 5 moPayoff in 22 yr 7 mo

There is a tradeoff. Extra principal builds equity sooner. It also leaves less cash available for reserves, other debt, or investing.

See the calculation assumptions

This illustration uses monthly amortization, a fixed interest rate, and scheduled payments over the selected term. Extra principal begins with the first payment and continues each month until payoff; the final payment is adjusted to the remaining balance. Calculations use unrounded payments internally, so actual servicing may differ slightly. Taxes, insurance, and HOA are user-editable estimates held constant; they are not included in interest savings. Mortgage insurance, closing costs, fees, prepayment penalties, tax effects, changing property values, and returns on alternative uses of cash are excluded. It does not model reverse mortgages, All in One loans, or other variable-rate structures. Results are examples, not an approval, quote, financial recommendation, or guarantee.

This is not a commitment to lend nor a pre-approval. Consult a loan officer for full details.

Put the numbers in perspective.

Talk through the tradeoffs and what they could mean for your next move.

Talk through my options

Better technology.
Still deeply human.

Powerful tools should make your options easier to understand. Your advisor turns that information into a conversation about what matters to you.

A payment is a starting point. We look at cash to close, the way you earn, your reserves, and how long you expect to keep the home.

Compare monthly cost, flexibility, and the assumptions behind the numbers. An attractive projection is only useful if you understand what could change.

AI can help organize information. Calculators can model a scenario. Neither replaces verified loan guidelines or a conversation with a licensed mortgage professional.

Your next move.

See the whole picture.

Your monthly payment and the cash you keep. Every choice changes both.

Estimated monthly housing

$3,516

At the 10% down illustration

Includes $64 / month MI (0.17% annually)

Cash kept after closing

$85,000

At the 10% down illustration

10% down on a $500,000 home.

Fine-tune your down payment10%

Cash out of pocket at closing$50,000 down + $15,000 closing costs and prepaids$65,000

Change the home price and assumptions

Home price ($)Available cash ($)Illustrative mortgage rate (%)Closing costs + prepaids (%)Annual property tax (%)Homeowners insurance / month ($)Annual mortgage insurance (%)

MI defaults: 5–under 10% down → 0.22%; 10–under 15% → 0.17%; 15–under 20% → 0.11%; 20% → 0%. The default updates when you change your down payment. You can edit it below 20% down. Actual MI pricing can differ.

30-year conventional-loan illustration. Monthly housing includes principal, interest, property tax, homeowners insurance, and estimated mortgage insurance. No HOA, maintenance, or utilities are included. These inputs do not establish qualification.

Make the tradeoffs visible.

Two ways to put the same money to work: invest the cash you keep upfront, or invest the payment savings each month.

Illustrative annual investment return (%)After assumed fees, before taxes. Try zero or a negative return.

Local history · not a forecast

Give your assumption some context.

Look up a ZIP’s historical home-price growth, then choose whether to use it in your illustration.

Property ZIP code

Use a five-digit ZIP. Looking it up does not change your assumption.

Source: FHFA House Price Index.

Annual single-family repeat-transactions index changes; these are historical rates, not a forecast or a valuation of an individual home.

This product uses FHFA data but is neither endorsed nor certified by FHFA.

10% down: invest $50,000 upfront. 20% down: invest the payment savings, starting at $380/month.

Keep more cash · 10% downLower payment · 20% down

Home equity + investments + uninvested reserve. Future dollars, before selling costs and taxes. A smooth line is a scenario, not a forecast. Home equity is not spendable cash.

At year 10
What makes up the picture	Keep cash 10% down	Lower payment 20% down
Investments	$81,445	$57,842
Home equity	$118,507	$160,895
Uninvested reserve	$35,000	$35,000
Illustrated position	$234,952	$253,738

At year 10, the lower-payment path is $18,786 higher in this illustration. Change the return assumption to see how sensitive that difference is.

How the comparison stays fair

$50,000 is invested upfront in the smaller-down-payment path. Both paths keep $35,000 uninvested after closing. The larger-down-payment path begins by investing $380 per month; this changes when mortgage insurance ends.

Both paths assume the same home, mortgage rate, starting cash, and monthly housing-plus-investment budget. The larger-down-payment path invests the actual payment difference each month. The smaller-down-payment path invests only the extra cash retained at closing. Investments remain invested; there are no withdrawals. The shared reserve earns no return in this illustration.

Annual home value change (%)Starts at 0%. This assumption applies equally to both paths.

Mortgage insurance is modeled to end at the scheduled 78% original-value threshold, or the month after the loan midpoint if earlier, assuming an eligible conventional loan and current payments. Actual loan and cancellation rules vary. Returns are constant annual assumptions, compounded monthly; contributions occur at month-end. No investment taxes, mortgage tax deductions, selling costs, inflation, future refinancing, or cost increases are modeled. Equity can be negative. Investing involves risk and loss.

CFPB: mortgage insurance · SEC: investment fees

Illustrative planning only. No approval, investment recommendation, rate offer, or guaranteed outcome.

Real people.
In your corner.

Based in Huntington Beach. Here for the questions, the moving parts, and the moment it all comes together.

Nick Hogue

Branch Manager

NMLS #1381754

Aren Baghdassarian

Sales Manager

NMLS #1980785

Katie Hooper

Head of Operations

NMLS #1526626

Kyle Durkan

Loan Officer

NMLS #2836823

Have a question? Start with a conversation.

Talk with our team

A little clarity,
before we talk.

I’m not ready to buy. Is it too early to talk?

A conversation can help you identify the questions to work on before you shop: a comfortable payment, savings, income documentation, and timing. You do not need a property picked out to start planning.

Are the planning lab numbers a loan quote?

No. They are educational calculations using the assumptions you choose. They do not determine qualification or include every cost. Mortgage insurance, closing costs, eligibility, and actual loan terms need a separate review.

Do you work with income that does not fit a W-2?

We can discuss conventional documentation and alternative-documentation programs for eligible borrowers. The right path depends on your income history, documents, property, and the program’s current requirements.

What about reverse mortgages and All In One loans?

Both deserve a careful explanation of the obligations as well as the potential benefits. Explore the dedicated guides above, then talk with us about whether either belongs in your plan.

Will using these tools affect my credit?

No credit inquiry is made by the planning lab. If a credit review becomes part of your next step, your advisor will explain the process before you proceed.

Your next step

A clearer plan.
A real conversation.

Tell us what you’re considering. We’ll help identify the questions, documents, and next steps that matter for your situation.

(657) 502-9669 Monday–Friday · 8am–6pm Pacific

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Start your file so we can review your options and map out your next steps. Opens our secure CMG mortgage application.

YOUR STARTING POINTHome financingChange

A home is just
the beginning.

Start with your question.

Different lives.
Different possibilities.