Mortgage Solutions
Expanded Mortgage Services

Our longtime mortgage partner, John Teweles, with Capital Mortgage Funding at CMG Home Loans offers mortgage expertise to JM Associates Federal Credit Union members and their families and will find the best mortgage to fit your unique situation.
· Conventional, Jumbo and FHA, VA, 203K, and USDA/RD
· Fixed-Rate, ARM
· First-Time Homebuyer programs
· Primary Residences, Second Homes and Rental Properties
· Single Family Homes, Condominiums, Townhomes, and Multi-Family
· Programs for self-employed and commissioned members
John Teweles, with 39 years of mortgage lending experience ensures JM Associates Federal Credit Union members receive expert advice, superb service, with competitive rates and fees for purchasing or refinancing a home..
For information about JM Associates Federal Credit Union’s expanded mortgage services or to discuss your specific borrowing needs, call John Teweles: VP, Senior Financial Institutions Lender, NMLS ID#131233 at 1-855-438-6845 or email.
Capital Mortgage Funding, dba CMG Mortgage, Inc. dba CMG Home Loans, NMLS ID# 1820 (www.nmlsconsumeraccess.org), is an equal housing lender. Regulated by the Division of Real Estate (CO). Georgia Residential Mortgage Licensee #15438. Ohio Mortgage Broker Act Mortgage Banker Exemption #MBMB.850204.000. Licensed by the Virginia State Corporation Commission #MC-5521 To verify our complete list of state licenses, please visit www.cmgfi.com/corporate/licensing
Upcoming Lunch and Learn: Home Buying Seminar
Wednesday, May 28th 12:00 – 1:00 PM and 1:00 – 2:00 PM(EST)
Auditorium
111 Jim Moran Boulevard
Deerfield Beach, FL
Host: John Teweles ––JM Associates Federal Credit Union’s long time mortgage partner, with 41 years of mortgage lending experience.
We know whether you’re a first-time homebuyer or you’re looking to downsize or upsize, buy a second home or rental property there’s a lot to navigate!
John will provide you with the information for a primary residence, second home or an investment property. Bring your lunch and join us! Drinks and dessert will be provided.
We’ll cover:
· The current mortgage and Real Estate market
· How to Get Pre-approved
· How to Prepare
· Loan Options
· Refinance opportunities
There will be a drawing for an Amazon gift card!
Home Equity LOC
The Home Equity Line of Credit (HELOC) is a flexible loan that utilizes the equity in your home to fund such things as home improvements, college education, and much more. The HELOC plus your existing first mortgage cannot exceed (85%) of the appraised value of your home. The HELOC has a variable rate that is tied to the prime rate and may change quarterly. You may obtain credit advances for eight (8) years with a payoff period of twelve (12) years. No closing costs with a $10,000.00 minimum loan amount, a $5,000.00 initial advance, and a balance maintained for the first year.
The HELOC is only available on property located in Florida, Georgia, Alabama, South Carolina, North Carolina, or Missouri at this time.
You should consult a tax adviser regarding the deductibility of interest and charges for the plan.
You may apply online or contact the Jacksonville or Deerfield Beach branch for the proper application.
Fixed Rate Second Mortgages (Personal Residences Only)
The equity you have in your home is a valuable asset, but unlike more liquid assets like cash, it isn’t typically something that you can utilize.
A second mortgage, however, allows you to use your home’s equity and put it to work. Instead of having that money tied up in your home, it’s available for expenses you have right now.
JMAFCU Fixed Rate Second Mortgage can finance up to 80% of the appraised value of your home at a great, low rate.
Our Mortgage Loan Officers
Rafaela Churchill - NMLS 2502640 Contact Today
Sandra Dugger - NMLS 826659 - Contact Today
Harold David Ellen - NMLS 1695814 - Contact Today
Bethany Hudson - NMLS 2233079 - Contact Today
Madison Pellicer - NMLS 2395760 - Contact Today
Francesco Roperto NMLS -1892090 - Contact Today
Jack Scabarozi - NMLS 2606256 - Contact Today
Theresa Shore - NMLS 2098858 - Contact Today
Amanda Wells - NMLS 1596946 - Contact Today
Jim Ryan - NMLS 771661