CMG Financial is headquartered in San Ramon, California and has extensive operations throughout the state with 100+ branches serving California homebuyers since 1993.
Quick answer: Is CMG good for California mortgages?
CMG Financial is headquartered in San Ramon, CA with 100+ California branches and 30+ years serving CA homebuyers. They offer competitive rates (6.25-6.40% avg), specialize in jumbo loans up to $3M+, and have deep knowledge of CA's complex real estate markets. CMG is particularly strong for Bay Area, LA, and San Diego buyers needing jumbo financing or high-balance conforming loans.
Best for: CA buyers needing jumbo loans, high-balance conforming loans, or local expertise in competitive markets. Compare CMG with other CA lenders here.
CMG California branch locations
CMG has 100+ branches across California including major metros:
- Bay Area: San Ramon (HQ), San Francisco, San Jose, Oakland
- Los Angeles: LA, Pasadena, Long Beach, Orange County
- San Diego: Multiple SD county locations
- Central Valley: Sacramento, Fresno, Bakersfield
California mortgage rates (CMG)
6.30%
30-year CA avg
5.80%
15-year CA avg
6.50%
Jumbo CA avg
Compare with other CA lenders: California Mortgage Rates 2025
California-specific loan programs
High-balance conforming loans
California has higher conforming loan limits due to expensive real estate:
- Most CA counties: 766,550 (2025 limit)
- High-cost areas (SF, LA, SD): Up to 1,149,825
- Allows larger loans without jumbo rates
Jumbo loans for CA properties
CMG specializes in California jumbo loans for high-value properties:
- Loan amounts up to 3 million+
- Down payment: 10-20% typical
- Strong for Bay Area and SoCal luxury homes
Compare CMG with other California lenders
Get quotes from CMG and top CA lenders to find your best rate.
Get CA lender quotesCMG California customer reviews
California borrowers report:
- Pros: Local market knowledge, jumbo expertise, fast closings in competitive CA markets
- Cons: Fees can be higher than online lenders, service quality varies by branch
How to apply with CMG in California
- Find your nearest CA branch or start online application
- Gather CA-specific documents (pay stubs, tax returns, CA property info)
- Get pre-approved (important in competitive CA markets)
- Work with CMG loan officer through underwriting and closing
For first-time CA buyers, see: First-Time Home Buyer Guide 2025
Ready to get a California mortgage quote?
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Meet David
Refinance & Rate Specialist
David Rodriguez is a seasoned refinancing expert with over 10 years of experience in mortgage rate analysis and market trend forecasting. As a Certified Rate Lock Specialist, he has saved homeowners millions in interest payments through strategic refinancing timing. His expertise in Federal Reserve policy impact and mortgage-backed securities makes him a go-to expert for rate predictions and refinancing strategies.
EXPERTISE:
KEY ACHIEVEMENT:
Saved clients $50M+ in interest payments