Start with a plan
Buying your first home
Find a payment you can live with. Explore down payment options, cash to close, and the steps that make you mortgage-ready.
Clear options. A conversation about what fits.Home financing. Human perspective.
A home is just
the beginning.
Smarter tools. More possibilities. A mortgage strategy built around the life you want next.
Find my starting pointThe Hogue Team at CMG Home Loans
Huntington Beach & Orange County
In our clients’ words
Nick was VERY patient with me and kindly walked me through this entire process.
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.
Down payment $170,000Loan amount $680,000
Edit rate & ownership costs6.5% illustrative rate · 30 years
The rate below is an editable example, not a current rate or loan offer.
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 yearsModeled 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.
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.
See the whole picture
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.
Make the tradeoffs visible
Compare monthly cost, flexibility, and the assumptions behind the numbers. An attractive projection is only useful if you understand what could change.
Put judgment behind the tools
AI can help organize information. Calculators can model a scenario. Neither replaces verified loan guidelines or a conversation with a licensed mortgage professional.
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 #2836823A 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 chapter
Let’s make
a plan for it.
You bring the questions. We’ll bring the tools, the experience, and a clearer view of what comes next.
(657) 502-9669 Monday–Friday · 8am–6pm Pacific