The Landon Group at CMG Home Loans
Whether you're buying your first home, tapping into your equity, leveraging your VA benefits, or figuring out what's next — we've been here before. Let's walk through it together.
First-Time Buyers
Buying your first home is exciting, overwhelming, and a little bit terrifying — all at once. Here's what you actually need to know.
Before you fall in love with a house, let's talk credit, income, and what you can actually afford. Getting pre-approved isn't just a formality — it's your superpower in a competitive market.
Get Pre-Approved →Conventional, FHA, USDA, down payment assistance — there are more options than you think. We'll find the right fit for your situation, not a one-size-fits-all answer.
Let's Talk Options →From offer to closing, we walk with you every step of the way. No disappearing acts. No confusing jargon. Just clear answers when you need them.
Schedule with Melissa → Schedule with Eden →Military & VA Loans
VA loans are one of the most powerful homebuying tools available — and one of the most misunderstood. We specialize in VA financing and work with military families across the DMV and beyond.
Eligible veterans and active duty service members can buy a home with zero down payment. No PMI. No compromise. Just your benefit working for you.
Already have a VA loan? The Interest Rate Reduction Refinance Loan (streamline refi) can lower your rate with minimal paperwork and no appraisal in most cases.
Just got orders? We help military families buy — and sometimes sell — on a tight timeline. We know how PCS moves work and we move fast when we need to.
Understanding how your BAH, entitlement, and funding fee interact can be confusing. We break it down in plain language so you can make confident decisions.
"You served. Now let's get you home."
Sellers
Where are you going next? We help sellers think through the full picture — not just what you'll net, but what comes after.
Understanding your equity position before you list helps you price strategically and plan your next move with confidence.
Worried about buying before you sell? We have bridge loan and simultaneous close options that make the transition smoother.
Whether you're upsizing, downsizing, or relocating, let's get your next purchase pre-approved before your current home hits the market.
"Don't wait until you find the one. Know what you can afford before you start looking."
— Melissa Landon, Branch Manager
Existing Homeowners
Your home is likely your biggest asset. Here's how to put it to work — wisely.
If rates have dropped since you bought — or your credit has improved — a refinance could lower your payment or shorten your loan term.
Check Your Rate →Tap into your equity for home improvements, debt consolidation, college tuition, or investments. Your equity is yours — let's use it strategically.
Explore Options →A HELOC gives you flexible access to your equity — use it when you need it, pay it back, use it again. Great for renovation projects.
Learn More →Your mortgage shouldn't just sit there. An annual review ensures your loan still fits your life — and flags opportunities to save.
Book a Review →Specialty Loan Products
Self-employed? Real estate investor? Looking for a smarter way to manage your mortgage and cash flow? We have solutions most lenders don't even talk about.
Traditional loans require W-2s — but what if your income doesn't come that way? Bank statement loans let self-employed borrowers qualify using 12–24 months of bank deposits instead of tax returns. No W-2 required. No apologies for how you earn.
Debt Service Coverage Ratio loans qualify based on the rental income of the property — not your personal income. If the rent covers the mortgage, you qualify. Simple as that. Perfect for investors growing a portfolio without their personal finances getting in the way.
The All In One Loan combines your mortgage with a line of credit — so every dollar you deposit reduces your balance and interest immediately. It's a checking account and a mortgage in one, designed to help you pay off your home faster and build wealth more efficiently.
Not sure which product fits? That's exactly what we're here for.
Downsizing Families
Downsizing isn't giving something up — it's gaining something back. Freedom, flexibility, and the right-sized space for this season of life.
Let's Plan Your Next Move →After years in your home, you've likely built significant equity. We'll help you understand exactly what you're working with and how to maximize it in your next purchase.
Many downsizers can buy their next home outright or with a very small mortgage. We'll look at all your options — including whether carrying a small loan actually makes financial sense.
Selling and buying at the same time has its challenges. We coordinate closely with your Realtor to make sure the timing works — so you're not caught without a place to land.
Whether you're staying in the DMV, heading to the coast, or following the grandkids — CMG Home Loans lends in all 50 states. Reach out wherever you're looking and we'll make sure you land with the right licensed person on our side.
Start the process today and know exactly where you stand before you start shopping.
Start Now →No forms, no pressure. Just a real conversation with Melissa or Eden about your situation.
Schedule with Melissa → Schedule with Eden →Get into the Facebook group for real talk, local events, and Q&A with a loan officer who actually shows up.
Join Free →Life, Love & Mortgages — funny, honest, and genuinely useful whether you're buying next month or just curious.
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