David Ramos - CMG Home Loans Loan Officer

I am incredibly grateful to CMG Financial and to my loan officer Shaun Pinney for swooping in and saving me from a nightmare of a mortgage lender. I was originally working with another mortgage lender (Guild Mortgage) and loan officer and initially everything seemed fine. As we got deeper into the process things changed, my loan officer told me I was going to need to bring more money to close on the house then originally anticipated. I asked for an estimate of what my mortgage would be if I made an offer on a certain house (as I wanted to ensure that my mortgage would fit into my budget). The loan officer provided an estimate that fit into my budget and assured me that if for some reason it was higher we could bring down the interest rate to get it there, but he failed to explain what that meant. I trusted him and made an offer on the house I wanted, and the sellers accepted my offer. We immediately got started on the underwriting process. Thats when things started going downhill. I was told that my mortgage was going to be about $200 more than I was comfortable paying. When I spoke to my loan officer about this he said we could buy down the interest rate to get closer to my ideal number for the mortgage. He informed me that to get to a mortgage within my budget we would need to buy the interest rate down 2.5% which would total to approx $6K . I wasnt sure how my budget would allow me to bring an extra $6k to the table but as this seemed like the only way to move forward I reluctantly agreed. After a while I was contacted by the loan processor who stated I would mostly be working with her to get the loan approved from that point on. I had many questions during this time and she was consistently unable to answer them, at some points telling me she wasnt sure what this fee or that fee was and that I would need to call the loan officer and ask him. Through all this she continued to push me to sign the contract unexplained . When we were 10 days out from closing on the house the total amount that I was asked to bring as cash to close had grown to approximately $30k ! I didnt feel comfortable closing with this company as my mortgage lender and asked a friend for a second opinion. He referred me to Shaun Pinney, and boy am I glad he did! From the moment I contacted Shaun he was friendly, very informative, trustworthy, and most importantly non-coercive. He took a look at what the other mortgage company was offering me and was relatively shocked by their numbers. Remember, at this point I was TEN DAYS out from closing, a process that normally can take upwards of 30 days. He didnt pressure me to change companies but did assure me if I did they would be happy to have my business and would treat me with respect, honesty, and support. He told me he believed that they could do better and gave me a rough estimate of about half the cost of cash that I would have to bring to the table at closing. The risky thing was that I had to start the under writing process all over and had to hope they could get it done in less than 10 days. At that point, I was so uncomfortable with the other lender that I would have rather lost the house and my earnest money, and not closed than to have closed with them. So I rolled the dice and trusted that Shaun and his team would do everything in their power to get this done in less than 10 days. Shaun was in constant communication with me from day one to day 10 (and even after closing) and took the time to explain all the documents and language within them. Two days before I was set to close I got the great news that the loan was approved and I was clear to close. On top of that, the cash to close was even less than he had estimated. I only had to bring a little over $9K for my cash to close amount!!! I was in disbelief, from 30k to 9k, talk about getting your eyes poked out! I cannot tell you how grateful I am for having Shaun and his team help me through this process and how glad I am to have my mortgage with them! I would highly recommend working with Shaun and CMG Financial!
Apr 27th, 2022

Shaun was great to work with! Professional and willing to assist whenever and wherever possible. He made the process smooth and has such a pleasant attitude. Hes extremely knowledgeable and gives you the information you need for your particular situation. Thank you, thank you, thank you!
Apr 24th, 2022

I can't speak highly enough about Shaun. Not only did he help me find my home, he did so as a friend not just an agent. Our conversation existed out of the simple "business" talk. He explained, consulted, informed, and helped me as I was a member of his very own wonderful family which he loves so very much. Shaun loves helping people, he loves seeing them florish and find a place to grow. You will feel that love by walking side by side with him on your path to finding a home. I can say without a doubt that yes Shaun was professional, he was kind, he was all the things you wanted out of a financial mortgage sales manager. But if you want something more you will get it with Shaun.
Mar 16th, 2022

Great person to work with, Shaun and his wife Laura make a good team. Since i started working with them i felt they had my back. Any question i had he has there to answer. I purchesed my house 6 months ago and he still answers when i call or txt. Glad i had honest people. Geteway and shaun treated us with respect and honesty.
Dec 19th, 2021

We had a great experience working with Shaun Pinney and his wife Laura. He was always quick and thorough in responding to our questions. He worked hard to get the best plan for our needs. We would highly recommend him to our family and friends.
Nov 24th, 2021