$0 DOWN

With Buyer's Choice

No first-time buyer, geographic, or military requirements!

*Loan is forgiven over a period of 5 years, as long as the borrower remains in property as their primary residence. If home is sold, transferred, or no longer is borrower’s primary residence, the unforgiven funds will become due and payable.

Testimonials

John and his team were so great to work with. As first time home buyers they were patient, explained everything, and made us feel comfortable throughout the whole journey.

Kelly C.

Review (Nov. 2025)

John was extremely knowledgeable and helpful throughout the process. He got my loan approved faster than I’ve ever seen! Very professional, thorough, and a pleasure to work with. Highly recommend!"

Jason K.

Review (Nov. 2025)

John Trama was exceptional from the first day I met him. He is professional, extremely experienced, and has the ability to make you feel comfortable, informed, and confident about your options and decisions moving forward. He helped me navigate a very challenging and arduous housing market for almost one year....

Stephanie D.

Review (Oct. 2025)

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John Trama

Branch Manager, NMLS ID# 657339

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631.255.0849

[email protected]
cmghomeloans.com/mysite/john-trama

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4324 South Service Rd, Suite 100, Melville, NY 11747 | BRANCH NMLS# 2603292

Check Eligibility

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80 E State Rt 4, Suite 370, Paramus, NJ 07652 | Branch NMLS# 2477715


CMG Mortgage, Inc. dba CMG Home Loans, NMLS ID# 1820 (www.nmlsconsumeraccess.org), is an equal housing lender. Licensed by the Virginia State Corporation Commission #MC-5521. AZ license #0903132. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025. Georgia Residential Mortgage Licensee #15438. Kansas Licensed Mortgage Company #MC.0001160. Massachusetts Mortgage Broker and Lender MC1820. Licensed by the New Hampshire Banking Department. Licensed by the NJ Department of Banking and Insurance. Licensed Mortgage Banker-NYS department of financial services. Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000. Rhode Island Licensed Lender. Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending. CL1820. To verify ourcomplete list of state licenses, please visit www.cmgfi.com/corporate/licensing.

CONSUMERS WISHNG TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV . A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV .