Cindy Hallas

NMLS# 334571

ASL Loan Officer Talks About FHA and VA Financing

Video was created in October 2021, FHA and Conventional loan limits have increased, accordingly.  For Conventional Financing the loan limit is now $726,200 for 2023 and FHA for Maricopa county is $530,150.  Please ask for other states and counties for details as FHA financing is specific on county.


FHA Loans were designated for First-Time Home Buyers back in the 1934 to assist first time home buyers to buy a home.  Many first time home buyers may not have the establish credit history, job history, saved money for down payment or experience as a home owner to understand everything involved in home ownership.  So, HUD created this program to allow consumers to purchase a home without all the heavy restrictions that Conventional financing can have with financing.

FHA financing is now used for all people, not just first time home buyers.  FHA can be a great option for those who may not have stellar credit history, may have had to start over in job career, nor may not have as much saved up to qualify for a home with Conventional financing.  Or FHA can be an alternate option with less penalties and have more forgiving guidelines still allowing consumers to have a lower interest rate, low down payment, lower credit scores, less credit history or those who have some credit blemishes to qualify to purchase a home much sooner than the rules and guidelines of Conventional financing.

I am very passionate about educating ALL clients about how credit works, how to improve it, manage it and maintain awesome credit.  When you have great credit, you can borrower money for cheap and even get paid to borrower money.  I want to help educate our clients on how to achieve this.

FHA financing is not a bad loan, although some may view it as less superior to the Conventional loan.

These are not created equal and not all Loan Officers understand the benefits or how to navigate consumers through FHA financing but we understand this loan inside out.  I will educate you on the benefits and the pitfalls of FHA financing so you can understand and select what loan is best for you.

VA Loans ar another financing option for our precious Veterans. Coming from a veteran family, I am also very passionate in educating and providing all details of this in credit loan for our Veterans.  I truly love this loan.  Understanding all aspects of this loan, helps me navigate our veterans the best way through this program.  VA loans offer such incredible interest rates, lower closing costs, and more lenient rules for qualifications.  As yet, VA loans still maintain the lowest default rates than any other loans out there, say a lot about our Veterans.

Veterans oftentimes, do not fully understand all the rules with these options.  I am here to help you understand if VA financing is better for you.

Both VA and FHA financing used for primary homes only, not for investment properties or vacation homes.

Cindy Hallas
Sales Manager
Mortgage Loan Officer | NMLS 334571
CMG Financial. | NMLS 1820
7047 E Greenway Pkwy Suite #180
Scottsdale, AZ 85254
Mobile: 602.793.9061 | Direct Fax:  602-638-1844 | FT 602-531-0088 |

NMLS #334571 |AZ License # 0916143 | CA License CA-DOC334571  | FL License L0116410 | IL license 031.0080631| NV License 55918 | TN License 334571 |  Licensed in TX | WA License MLO-334571


CMG Financial™ is a registered trade name of CMG Mortgage, Inc., NMLS ID #1820 in most, but not all states. CMG Mortgage, Inc. is an equal housing lender. Licensed by the Department of Financial Protection and Innovation (DFPI) under the California Residential Mortgage Lending Act No. 4150025.; AZ #0903132; Colorado regulated by the Division of Real Estate; Georgia Residential Mortgage Licensee #15438; Mortgage Servicer License No. MS068. Massachusetts Mortgage Lender License #MC1820 and Mortgage Broker License #MC1820; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance; 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; Licensed by the Oregon Division of Financial Regulation #ML-3000; Rhode Island Licensed Lender #20142986LL; Registered Mortgage Banker with the Texas Department of Savings and Mortgage Lending, and Licensed by the Virginia State Corporation Commission #MC-5521. Licensed by the Washington Department of Financial Institutions under the Consumer Loan Act No. CL-1820. CMG Mortgage, Inc. is licensed in all 50 states and the District of Columbia. Offer of credit is subject to credit approval. NMLS Consumer Access (

Cindy Hallas

NMLS# 334571


CMG Home Loans


7047 E. Greenway Parkway, Suite 180
Scottsdale, AZ 85254

Mobile: ‭(602) 793-9061‬

Office: ‭(602) 793-9061‬



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