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Joan Martinez #344782

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United States
Middletown, NJ
Joan Martinez #344782

Loan Officer I MLO NMLS ID # 344782
Branch NMLS ID # 2478559
Corporate NMLS ID # 1820 I have been in the legal/real estate/mortgage field since 1982.

My experience as a real estate paralegal (retiring in 2020) and licensed title closer allowed me to be directly involved in thousands of closings. The hands-on skills and attention to details required for those positions complimented the demands and knowledge required of a Mortgage Loan Originator, a field in which I have been in since 2001. In any real estate market, there will always be bumps in

the road, which is why having an experienced Mortgage Loan Originator who can maneuver through those bumps is extremely important. What sets me apart from many Mortgage Loan Originators is not only my extensive knowledge in all aspects of a real estate closing (which includes the roles played by realtors, attorneys, title companies, surveyors, and mortgage lenders), but also my strong belief that going that extra mile for a borrower is a requirement, and not an option. For a free no-obligation consultation, feel free to reach out to me anytime. Licensed by the New Jersey Department of Banking & Insurance

08/30/2024

Imagine finding your dream home on the market… just to learn it’s way over budget. How can you avoid this waking nightmare? Before you embark on your house hunting expedition, it’s a good idea to meet with a loan officer to set your budget. Here's what loan officers are looking at when determining how much home you can afford

08/29/2024

Keep an eye out for real estate 🚩RED FLAGS 🚩
How can you identify potential fraud as a home buyer? Read our blog as we explore some of the most common real estate scams and how to avoid them:
http://spr.ly/6185m92TT

08/28/2024

Do you know how to calculate your home equity? It's relatively straightforward-- you simply subtract the amount you owe on your mortgage from the current market value of your home. Ready to take advantage of your home equity? Give me a call today!

08/27/2024

Why pay someone else's mortgage? When you make monthly rental payments, you're doing exactly that— paying your landlord's mortgage and building no equity. When you own a home, your mortgage payments help you build wealth in the form of

08/26/2024

Happy National Dog Day from your friends at CMG Home Loans! Need a bigger yard FUR your best friend? Doggone tired of your apartment's strict pet policies? Renting can be RUFF, but your loyal friends at CMG can help finance your FURever home. Give me a call today!

08/23/2024

Did someone say rate cuts? This morning, Federal Reserve Chairman Jerome Powell gave a highly anticipated speech about the current economic state and future Fed outlook. Here’s what you need to know: http://spr.ly/6183m8r4c

08/22/2024

Whether you’re buying a home or selling, price negotiations are a cutthroat part of the business. Here’s how utilizing a REALTOR® can simplify your real estate transaction: http://spr.ly/6188lf1x0

08/21/2024

Sell faster without lifting a finger! With our exclusive List & Lock™ program, you can sell your home faster, for a higher profit, WITHOUT lowering the listing price. And, the savings don't stop there! Ask me how our new List & Lock & SAVE advantage can save you up to $5,000 toward your next home purchase!

08/20/2024

What does your financial report card show? Your credit report includes details about your credit history, including the number of open and closed credit accounts, your history of on-time and delinquent payments, accounts that are in collections, the number of times you've applied for credit, and more. You're entitled to a free copy of your credit report every 12 months. Go to AnnualCreditReport.com to request your copy!

08/16/2024

Is there a doctor in the house??? There will be soon! Introducing MedPro Advantage—a low down payment program for medical professionals. Ask me how this program can make it easier for doctors and other medical professionals to buy a home

08/15/2024

What do NAR’s upcoming industry changes mean for you? Effective Saturday, August 17th, the National Association of REALTORS® (NAR) is implementing practice changes, including updates to compensation offers, written agreements, and communications with communities and consumers. Here’s what you need to know: http://spr.ly/6186lzsys

08/14/2024

Did you know it's National Day? 🤔
Today we celebrate by reminding ourselves how important it is to achieve financial independence!
Purchasing and owning a home is one of the most common first steps to building wealth. When you own a home, you accumulate wealth in the form of equity as your home appreciates in value over time 💰 Are you ready to take the first step towards financial independence? Contact me today to get started on your preapproval!

08/13/2024

Still think a 20% down payment is required? Think again! FHA Loans allow down payment amounts as low as 3.5%

08/09/2024

What’s the driving force behind last week’s refinance surge? Plus, initial jobless claims saw the largest decline in almost a year, calming the job market crash fears. Read more in the Market Update: http://spr.ly/6187YsyGP

08/09/2024

Generally, top-rated school districts mean safer neighborhoods. Whether you have school-aged children or not, scroll through ➡️ to see why you should research school districts when buying a home

08/08/2024

Ready to embark on your home buying endeavors? Purchasing a home is a major life decision, and you want to make sure you find a home that checks your most important boxes while avoiding money-draining surprises. Click here to look through home buying green and red flags: http://spr.ly/6183Yl4Gc

08/07/2024

It's back-to-school time! Are you ready for an A+ home buying experience? Now's the time to study up for your home purchase! It all starts with a preapproval, contact me today to take the first step!

08/06/2024

"HOA" stands for Homeowners' Association, a non-profit organization that manages and maintains a community's assets, such as homes, properties, and common areas. "CC&Rs" stands for Declaration of Covenants, Conditions, and Restrictions. CC&Rs are the rules of the HOA community, which outline the rights and obligations of the HOA and its members. CC&Rs describe what can and can't be done with a property, and their goal is to preserve and enhance property values

08/05/2024

Saving for the down payment is one of the biggest hurdles for first-time home buyers. When you grow your down payment with HomeFundIt™, you can cross the finish line FASTER with a LARGER down payment!

08/02/2024

In the midst of high interest rates and historically high home prices, how can you achieve your dream of homeownership? Let’s discuss five strategies that can put you ahead of the game in a low affordability housing market: http://spr.ly/6183YGzXx

08/02/2024

When it comes to home financing, you deserve a lender who will bend over backwards for your unique needs! At CMG Home Loans, we have flexible mortgage options for every budget. Whether you're looking to buy, sell, refinance, or renovate, we're here to help you stick the landing!

08/01/2024

Though the Federal Open Market Committee (FOMC) did not cut rates yesterday, mortgage rates still trended lower. In fact, the average 30-year mortgage rate officially dropped to its lowest level since late 2023, according to Mortgage News Daily’s rate index. Read more in the market update: http://spr.ly/6187ch2GB

07/31/2024

Home search isn't going as swimmingly 🏊 as you hoped? Don't lose hope just yet! With a Renovation Loan, you can turn a house you LIKE into a home you LOVE. Freestyle your home any way you'd like -- it all starts with a !

07/30/2024

Are you ready to take the plunge? 🥽 Avoid the splashes and ease into homeownership with a mortgage payment buydown. Dive into homeownership with lower monthly mortgage payments for up to three years!

07/30/2024

Go Team USA! 🇺🇸 As you root for our nation's top athletes, we're ready to cheer you on your path to the American Dream of homeownership. When it comes to mortgage financing, trust your home team at CMG!

07/26/2024

Setting your aim 🎯 on homeownership? A straight shot to the home of your dreams starts with a mortgage preapproval. Give me a call to take the first step!

07/25/2024

How has the VA Loan evolved throughout the years? Since its creation in 1944, this program has provided homeownership opportunities to millions of Veterans. As we celebrate the 80th anniversary of the VA Loan, here’s how the program has expanded in recent decades: http://spr.ly/6187cVly1

07/24/2024

Think it's a good idea to browse home listings before getting preapproved? Think again! A preapproval lets you know how much you can afford, so you don't get your heart set on a home that's out of your budget. Ready to get started on your mortgage preapproval? Give me a call!

07/23/2024

Amidst inflation and rate volatility, how can you stay afloat? We're proud to offer our 🛟 Float Down Option 🛟 to help you find your dream home at the right rate. If rates go up, you're protected. If rates go down, you get the benefit. Ask me how our Float Down Option can lead you to smooth sailing ⛵

07/23/2024

The base FICO® Scores range from 300 to 850. The higher the score, the lower the risk to lenders. A "good" credit score is considered to be in the 670-739 score range. A credit score between 740-799 is considered "very good" and a score over 800 is considered "exceptional"

Address

1715 Highway 35, Suite 201
Middletown, NJ
07748

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://cmghomeloans.com/mysite/Joan-Martinez

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Videos

List & Lock & Save gif

Save on your home sale, then save on your next home purchase! With our exclusive List & Lock™ & Save advantage, you can sell your home faster, at top price, AND save up to $5,000 in closing costs when you finance your next home purchase with us. Ready to learn more? Contact me today!

List & Lock™

Your home isn't leftover Valentine's Day chocolate, so don't drop the price to get it off the market! Instead, advertise a lower rate with List & Lock™. Ask me what makes this program a sweet treat for buyers and sellers alike!

Valentine Rate Rebound GIF--Opt-in Campaigns Blog-Weekly & Instagram

Post-Valentine's-Day rebound? Bad idea. Buying now and saving when rates fall? Now that's a rebound that has your back! Ask me how buying now means saving later with Rate Rebound!

HELOC-it-down GIF

Access up to $400,000 in tappable home equity in as little as 5 days. Lock it down with our 5-Day #HELOC

CMG Home Loans Staycation

Summer is in full swing! Where are your vacation plans taking you? When you buy or refi with CMG Home Loans, you're getting more than a mortgage — your house becomes your dream staycation home! Leave the work to our trusted experts who are committed to your satisfaction! Enjoy a simplified home financing experience and turn your "free time" into "me time!