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Michael Newmann

Michael Newmann

Senior Loan Officer & Branch Manager at CMG Home Loans; mortgage expert specializing in All-In-One Home Loans with 20+ years in the mortgage industry.

May 29, 2026

4:03
... from a traditional mortgage?
4:05
Yeah.
4:05
Um, so yeah, so the all-in-one home loan is a mortgage, by the way, that is not something that just, uh, just happened, it just came out.
4:13
This has been around, and I'm kind of ashamed to say it, for 20 years.
4:17
I've only known about it since 2024.
4:20
Um, but anyway, irregardless, what it is, is it's a, um, basically a banki- banking or checking account fully integrated, okay? With a line of credit which becomes your mortgage, okay? So we're used to amortized mortgages, which means we have a term, um, and based upon your rate and your term, it comes up with a payment, and that's what the payment is, period, end of story, that's it, okay? Um, whereas this is complete opposite.
4:46
It has full integration with, uh, a checking account, and what that means is, and this is very weird and odd compared to what we're used to because we're used to checking over here, banking, and mortgage over here.

22 MINS LATER

26:44
So I wanted to ask, do you have an offer that you would like to extend to our, our listeners? Sorry, and if someone is interested in more information, how can they contact you?

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