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Jack Heinzman - CMG Home Loans - NMLS 51072

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South Portland, ME
Jack Heinzman - CMG Home Loans - NMLS 51072

Experience the Academy difference with Jack Heinzman in South Portland, Maine! With us, you can count on an efficient and stress-free homebuying process.
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We are a local lender offering Conventional, FHA, VA, USDA, and down payment assistance programs. Your Neighborhood Lender

Shopping for a home in South Portland, Maine? Come see Jack Heinzman at Academy Mortgage! He has been in the mortgage industry for over 15 years helping people like you obtain their goal of sustainable homeownership. Preparing to buy a new house is serious business. In fact,

it may be the largest single purchase you’ll ever make. As such, you want a great mortgage loan for your situation. That’s why clients choose Academy Mortgage. Academy Mortgage is a big company with a small-town feel. When you work with Jack Heinzman, you can come in anytime to talk to him about your home loan choices or mortgage refinancing. He can help educate you about your options to get you ready for homeownership. Whether you’re wondering if mortgage refinancing could save you money or trying to find a great loan option for your first new home, come talk to Jack Heinzman and the professional team at Academy Mortgage South Portland. Academy’s business model allows Loan Officers to close loans as quickly as possible. That’s because everything is done in-house. From processing and underwriting to closing and funding — it’s all done locally. There are no mortgage brokers, bankers, or others to drag their feet and slow down the process. Your Home Loan Options

Many factors can affect the type of home loan that is right for you. Jack Heinzman will take the time to fully review your credit and ask important questions about your specific situations. He can help you come up with a game plan to get you ready for homeownership. Whether you are looking to refinance your current mortgage, or purchase your first home, make an appointment today to come see Jack. Let their professional team help you find your ideal mortgage solution and experience the Academy difference. Jack Heinzman offers Conventional, FHA, VA, USDA, MaineHousing, or down payment assistance loans servicing the Portland area and beyond.

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/6185YsHGf

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/6186YlNTG

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/6185YGKph

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/6180chFcK

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/6181cVYP7

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"

07/19/2024

Summer is heating up! As temps are rising, chill out with these summer home maintenance tips:

07/18/2024

The summer heatwave is rising, and so are these hot home décor trends! From dark academia to vintage designs, here are seven popular home trends this summer: http://spr.ly/6186ioahr

07/17/2024

Is builder data predicting future rate declines? Yesterday, the National Association of Home Builders (NAHB) released its housing market sentiment index for July. Here’s what you need to know: http://spr.ly/6182i9lLi

07/17/2024

Credit report vs credit score-- what do you need to know? Not only are the two different, but they're used for different purposes. Here's a handy chart to help you understand the distinction

07/16/2024

When you originate a loan, you will be required to make some initial payments upon your closing: one is the down payment, the other is your closing costs. Closing costs typically include the loan origination fee, appraisal fee, credit report fee, tax service fee, closing/escrow fee, mortgage recording charge, hazard insurance premium/reserves, and county property taxes/reserves, totaling 3-6% of the loan amount

07/12/2024

Did you know?? There's CASH💰 trapped inside your home! That's right, it's called home equity and it's the difference between the market value of your home and the amount of your mortgage that you still owe. Here are 5 ways you can leverage your home equity to meet your goals

07/11/2024

Need some good news?! The consumer price index (CPI) was released this morning and showed cooling inflation in June. As a result, the average 30-year fixed mortgage rate dropped to the lowest level since March. Read more in the Market Update: http://spr.ly/61819Aw1Z

07/09/2024

You can remodel the bathroom, renovate the kitchen, paint the exterior, and spruce up the landscaping, but there's one aspect of a home you can't change: LOCATION. When house hunting, be sure to keep location in the forefront of your mind

07/09/2024

How's your summer project 🚧 🧰 coming along? With the All In One™ Construction Loan 🛠️, you can build your dream home and start building equity IMMEDIATELY! Want to learn more? Contact me today!

07/04/2024

Let freedom ring! Happy 4th of July from your friends at CMG Home Loans! 🇺🇸

07/03/2024

What’s new in market news? Although mortgage rates have inched higher in recent weeks, the upcoming jobs report could help to reverse the trend. Here’s what you need to know: http://spr.ly/61819OJUX

07/03/2024

VA, FHA, USDA, oh my! With all the different loan options, how do you know which one is right for you? Scroll through as we break down Conventional, VA, FHA, and USDA Loans

Address

South Portland, ME
04106

Opening Hours

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

Website

https://www.cmghomeloans.com/mysite/jack-heinzman

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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

A house is made of wood and beams. Homes are made of love and dreams. No need to wish upon a star, we can help make your home ownership dreams come true.

Rate is the word of the day, and always a top question when shopping for a mortgage. Our mortgage experts will make sure that you have the ideal product for your unique situation.

Third guess is a charm! With our help, you as the buyer will know the power you have when it comes to purchasing a new home.

Benefits of a large company, but with a local business feel. You’re sure to feel like family, because to us, you are more than a loan.

If ever there was a time for breakfast for dinner (or brinner, as I like to call it), it’s today! Happy National Pancake Day! #nationalpancakeday #academymortgage

Got it on the 4th guess! Loans help people achieve the home ownership dream. Let 2022 be the year you make your dreams come true. We can help!

#HomebuyerTips - Hire a Buyer's Agent

#HomebuyerTips Work with an exclusive buyer’s agent, someone who has a responsibilty to work in your best interests as a homebuyer. Seller’s agents are obligated to secure the best price and terms for the seller. As a #FirstTimeHomebuyer, you could be overmatched when negotiating with an experienced agent who’s working on the seller’s behalf. #AcademyMortgage #RealEstate #NewEngland

Single Property Websites

Our Single Property Websites can help you promote your listings!

Mortgage Apps up this week

Mortgage applications rose this past week, check out this great article for more details. https://www.cnbc.com/2020/05/20/weekly-mortgage-applications-point-to-remarkable-bounce-in-homebuying.html

Supply & Demand: Lessons from Toilet Paper

Recently there’s been a significant shortage on certain much-needed supplies—Supply hasn’t quite been able to keep up with demand. You may have noticed there's a similar phenomenon happening in the homebuying industry: demand for purchase and refinance mortgages has caused interest rates to go up and down unpredictably. You have QUESTIONS? Contact us. We have ANSWERS.

If you’re renting, you are paying a mortgage, just not your own

Low Down Payment Mortgage Options

Renting VS. Buying

Renting VS. Buying…Which is right for you? Watch this video for helpful information.

Tax Benefits of Homeownership

There are many benefits to owning your own home, both tangible and intangible. But some of the most attractive are tax benefits. From mortgage interest or property tax deductions to capital gains, homebuyers can significantly reduce their taxable income if they meet certain criteria. By consulting a tax professional you can find out just how much you can benefit financially from homeownership.

FairwayNow for Realtors

This is one of the neat tools that Fairway offers realtors to provide to their clients. It's called FariwayNow. Call me if you would like more information. (1:24 in length)