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1.619.554.1328
COVID-19 FAQ
ABOUT CMG
LEADERSHIP OUR STORY CMG CARES CONTACT
CMG NEWS
START
CONSUMER
PURCHASE
 * GET PRE-APPROVED
 * FIRST-TIME HOME BUYERS
 * HOME BUYERS GUIDE
 * FREDDIE MAC BORROWSMART

REFINANCE
 * APPLY TODAY
 * REFINANCE GUIDE
 * CASH OUT REFINANCE
 * REASONS TO REFINANCE

RESOURCES
 * CALCULATOR
 * WATCH AND LEARN
 * BLOG

LOAN PRODUCTS
WHOLESALE
 * BROKER
 * SELECT PARTNER
 * LOAN PRODUCTS
    * CONVENTIONAL PRODUCTS
    * GOVERNMENT PRODUCTS
    * ALL IN ONE LOAN

 * ALL IN ONE LOAN
    * AIO CERTIFICATION
    * AIO MARKETING
    * AIO SIMULATOR
    * AIO REGISTRATION

 * CONTACT

CORRESPONDENT
 * SELLER
    * WHY PARTNER WITH US
    * RESOURCE CENTER

 * LOAN PRODUCTS
    * CONVENTIONAL PRODUCTS
    * GOVERNMENT PRODUCTS
    * JUMBO PRODUCTS

 * ALL IN ONE LOAN
    * AIO CERTIFICATION
    * AIO MARKETING
    * AIO SIMULATOR

 * CONTACT
    * SALES
    * MANAGEMENT

--------------------------------------------------------------------------------

COVID-19 FAQ
ABOUT CMG
 * LEADERSHIP
 * OUR STORY
 * CMG CARES
 * CONTACT


 * PURCHASE
   GET PRE-APPROVED FIRST-TIME HOME BUYERS HOME BUYERS GUIDE FREDDIE MAC
   BORROWSMART PROGRAM
 * REFINANCE
   APPLY TODAY REFINANCE GUIDE CASH-OUT REFINANCE REASONS TO REFINANCE
 * RESOURCES
   CALCULATOR WATCH AND LEARN BLOG
 * LOAN PRODUCTS

 * GET STARTED


BILL HEON

LOAN OFFICER RETAIL LENDING

--------------------------------------------------------------------------------

NMLS# 718928

1033 B Avenue Suite 105, Coronado, CA 92118 | Branch NMLS# 920781

(619) 554-1328
BHeon@cmgfi.com
APPLY NOW GET THE APP
5.00

22 Reviews

★★★★★

Alan Kinzel



Bill is a true professional. Lenders are typically the most optimistic people I
know which is not necessarily a good thing. My customers need realistic,
accurate and thorough information when entering a transaction. Bill is very
thoughtful and know..... Read Moreledgable. His transactions close on time with
lots of communication. It is always comforting

★★★★★

TODD ANTHONY



I couldn't have been more satisfied with the service provided to me. Working
with Bill was a absolute pleasure. He explained everything in the process and
was available to any questions that I had through the process. I was shocked
how, fast the wh..... Read Moreole process was, Bill worked tirelessly and made
sure everything is in order, so there were no delays. I would and will highly
recomm

★★★★★

PEGGY LINDQUIST



Bill Heon is by far the best in the business. His "can do" attitude always gets
the job. done. I had a very complicated transaction, and he went out of his way
to make it happen. I was selling 3 different properties, trying to purchase
another in a ..... Read Morevery competitive market, San Fransisco, and we got
the transaction done in a very quick turn around time. Bill's personality is so
calm and easy to communicate with. He made all the paperwork, not my favorite
part of a home purchase, really painless. I can't say enough great things about,
Bill Heon. This my 3rd time getti

★★★★★

MARY HERNANDEZ



I am so impressed with the professional and efficient process. Mr. Heon could
not have been more pleasant and prompt. I have refinanced several times in the
past. Only once before was it a pleasant experience, though not as great as this
time. If my ..... Read Morerating seems to be unrealistic it is because I have
horror stories about past experiences. I cannot express the joy that I felt to
find a company that holds to honorable values and professional, efficient
practice. I have been recommending your company to my associates. When they go
with some friend and have problems, I remind t

★★★★★

ODETTE CLARIDGE



Bill provided personal and attentive service which was so important during the
most important purchase of our life. We love the CMG team and will use them
again in the future.

★★★★★

CAMERON GORDON



Bill is unbelievable. I'd happily use him every time.

★★★★★

TIMOTHY LARKIN



Bill Heon is fantastic. He has handled all of our mortgage needs for the past
several years, involving multiple properties, including family members. Always
handled with the utmost in professionalism and always with the best possible
rates available at the time.

★★★★★

Tobin Trent



William made the home buying process easy and painless like it should be.

★★★★★

Robert Bayer



Bill Heon and his staff at CMG Mortgage were an incredibly well orchestrated
team of real estate professionals. We found this team to be exceptionally
responsive and expeditious in the executions of all the loan documentation
requirements. The sta..... Read Moreff was friendly, respectful and
knowledgeable. Bill was personally and professionally steadfastly committed to
performing in the most timely manner to ensure we received the most competitive
rate. Evidence of our great satisfaction with his performance was demonstrated
by our two additional recent refinances we pursued with CMG Mortgage. Our
purchase loan and both refinances were performed flawlessly. We will most hi

★★★★★

Brian Genstel



Easy with no surprises. The best experience of refinancing

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SEE ALL TESTIMONIALS
 * ABOUT ME
 * PHILANTHROPY
 * CMG MISSION

ABOUT ME PHILANTHROPY EDUCATION

INTERESTS

Interests include hiking, golfing and other outdoor activities.

Interests include hiking, golfing and other outdoor activities.

MY PHILOSOPHY

Serving others is the best way to not only achieve individual happiness, but
also ensure mankind lives a more enjoyable life. Moreover, fulfilling one's own
self-interests can only be achieved by serving other people's best interests.
This is true on a personal and business level. Delivering excellent products,
services and value to customers in a competitive market place benefits us all,
even those who don't believe in free market capitalism. Self-interest is
essential; none of us would survive ...Read More

Serving others is the best way to not only achieve individual happiness, but
also ensure mankind lives a more enjoyable life. Moreover, fulfilling one's own
self-interests can only be achieved by serving other people's best interests.
This is true on a personal and business level. Delivering excellent products,
services and value to customers in a competitive market place benefits us all,
even those who don't believe in free market capitalism. Self-interest is
essential; none of us would survive long if we neglected our own needs. Equally,
nobody survives long in business if they get a reputation for being greedy.
Regardless of one's profession, operating in a free market system foster's
innovation, creates prosperity and improves the quality of life for all.

PERSONAL QUOTE

"The only easy day was yesterday." - Unknown

"The only easy day was yesterday." - Unknown

EXPERIENCE

I have 20 years of experience in the financial services industry, including
assisting clients with large financial transactions for over eighteen years as
an equity trader. My broad knowledge of residential mortgage products, combined
with my past experience as a securities trader, allows me to offer valuable
insight for clients in their pursuit of a suitable home mortgage.

I have 20 years of experience in the financial services industry, including
assisting clients with large financial transactions for over eighteen years as
an equity trader. My broad knowledge of residential mortgage products, combined
with my past experience as a securities trader, allows me to offer valuable
insight for clients in their pursuit of a suitable home mortgage.

EDUCATION

BS from the David Eccles School of Business University of Utah Salt Lake City,
UT

BS from the David Eccles School of Business University of Utah Salt Lake City,
UT

Board Member of St. Michael's Foundation San Diego - Scholarship Fund for Inner
City Catholic Schools

Delivering the right loans for the right reasons in a way that exceeds all
expectations. That’s our business. Since 1993, CMG Financial, has served home
buyers and homeowners nationwide with all of their new purchase and refinance
needs. All CMG Loan officers specialize in new purchase and refinance mortgage
needs as well as act as a financial counselor to help borrowers make informed
decisions.


Our diverse mortgage menu helps us find financing solutions for almost every
borrower. We are dedicated to finding more ways to open more doors for home
buyers. Find out what “Every Customer, Every Time. No Exceptions, No Excuses.”
means to us!


Visit the Coronado, CA BRANCH


GETTING A HOME LOAN SHOULDN’T BE HARD


SEE HOW


SIMPLE IT IS

The CMG HOME mobile app guides you through your home search and mortgage
financing and connects you directly to your loan officer and REALTOR®.

WATCH IT WORK



PURCHASE & REFINANCE

GET PREAPPROVED APPLY TODAY FIRST-TIME HOME BUYERS ALL HOME BUYERS REFINANCE
GUIDE REASONS TO REFINANCE

LOAN PRODUCTS

CONVENTIONAL LOAN FHA LOAN VA LOAN USDA LOAN JUMBO LOAN

LOAN PRODUCTS

HOMEFUNDIT ALL IN ONE LOAN 203K RENOVATION LOAN HOMEREADY LOAN HOMEPOSSIBLE LOAN

RESOURCES

CALCULATOR WATCH & LEARN RESOURCE LIBRARY BLOG CMG NEWS

ABOUT CMG

CAREERS PARTNERS CONTACT CMG CARES

CMG FINANCIAL • 3160 CROW CANYON ROAD SUITE 400, SAN RAMON, CA 94583 • NMLS#
1820

CMG Financial, 3160 Crow Canyon Road Suite 400, San Ramon, CA 94583.

WEB ACCESSIBILITY LICENSING PRIVACY POLICY TERMS OF USE

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.; AK #AK1820; AZ
#0903132; Colorado regulated by the Division of Real Estate; Georgia Residential
Mortgage Licensee #15438; Hawaii Mortgage Loan Originator Company License No.
HI-1820. 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
(www.nmlsconsumeraccess.org)

CMG Financial is a registered trade name of CMG Mortgage, Inc., NMLS# 1820 in
most, but not all states. CMG Mortgage Inc. is an equal opportunity lender. To
verify our complete list of state licenses, please visit
https://www.cmgfi.com/corporate/licensing and www.nmlsconsumeraccess.org.

WEB ACCESSIBILITY LICENSING PRIVACY POLICY TERMS OF USE



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Accessibility StatementCompliance status

We firmly believe that the internet should be available and accessible to anyone
and are committed to providing a website that is accessible to the broadest
possible audience, regardless of ability.

To fulfill this, we aim to adhere as strictly as possible to the World Wide Web
Consortium’s (W3C) Web Content Accessibility Guidelines 2.1 (WCAG 2.1) at the AA
level. These guidelines explain how to make web content accessible to people
with a wide array of disabilities. Complying with those guidelines helps us
ensure that the website is accessible to blind people, people with motor
impairments, visual impairment, cognitive disabilities, and more.

This website utilizes various technologies that are meant to make it as
accessible as possible at all times. We utilize an accessibility interface that
allows persons with specific disabilities to adjust the website’s UI (user
interface) and design it to their personal needs.

Additionally, the website utilizes an AI-based application that runs in the
background and optimizes its accessibility level constantly. This application
remediates the website’s HTML, adapts its functionality and behavior for
screen-readers used by blind users, and for keyboard functions used by
individuals with motor impairments.

If you wish to contact the website’s owner please use the website's form

Screen-reader and keyboard navigation

Our website implements the ARIA attributes (Accessible Rich Internet
Applications) technique, alongside various behavioral changes, to ensure blind
users visiting with screen-readers can read, comprehend, and enjoy the website’s
functions. As soon as a user with a screen-reader enters your site, they
immediately receive a prompt to enter the Screen-Reader Profile so they can
browse and operate your site effectively. Here’s how our website covers some of
the most important screen-reader requirements:

 1. Screen-reader optimization: we run a process that learns the website’s
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    (optical character recognition) technology. To turn on screen-reader
    adjustments at any time, users need only to press the Alt+1 keyboard
    combination. Screen-reader users also get automatic announcements to turn
    the Screen-reader mode on as soon as they enter the website.
    
    These adjustments are compatible with popular screen readers such as JAWS,
    NVDA, VoiceOver, and TalkBack.
    
    
 2. Keyboard navigation optimization: The background process also adjusts the
    website’s HTML and adds various behaviors using JavaScript code to make the
    website operable by the keyboard. This includes the ability to navigate the
    website using the Tab and Shift+Tab keys, operate dropdowns with the arrow
    keys, close them with Esc, trigger buttons and links using the Enter key,
    navigate between radio and checkbox elements using the arrow keys, and fill
    them in with the Spacebar or Enter key.
    
    Additionally, keyboard users will find content-skip menus available at any
    time by clicking Alt+2, or as the first element of the site while navigating
    with the keyboard. The background process also handles triggered popups by
    moving the keyboard focus towards them as soon as they appear, not allowing
    the focus to drift outside.
    
    Users can also use shortcuts such as “M” (menus), “H” (headings), “F”
    (forms), “B” (buttons), and “G” (graphics) to jump to specific elements.

Disability profiles supported on our website
 * Epilepsy Safe Profile: this profile enables people with epilepsy to safely
   use the website by eliminating the risk of seizures resulting from flashing
   or blinking animations and risky color combinations.
 * Vision Impaired Profile: this profile adjusts the website so that it is
   accessible to the majority of visual impairments such as Degrading Eyesight,
   Tunnel Vision, Cataract, Glaucoma, and others.
 * Cognitive Disability Profile: this profile provides various assistive
   features to help users with cognitive disabilities such as Autism, Dyslexia,
   CVA, and others, to focus on the essential elements more easily.
 * ADHD Friendly Profile: this profile significantly reduces distractions and
   noise to help people with ADHD, and Neurodevelopmental disorders browse,
   read, and focus on the essential elements more easily.
 * Blind Users Profile (Screen-readers): this profile adjusts the website to be
   compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A
   screen-reader is installed on the blind user’s computer, and this site is
   compatible with it.
 * Keyboard Navigation Profile (Motor-Impaired): this profile enables
   motor-impaired persons to operate the website using the keyboard Tab,
   Shift+Tab, and the Enter keys. Users can also use shortcuts such as “M”
   (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) to
   jump to specific elements.

Additional UI, design, and readability adjustments
 1. Font adjustments – users can increase and decrease its size, change its
    family (type), adjust the spacing, alignment, line height, and more.
 2. Color adjustments – users can select various color contrast profiles such as
    light, dark, inverted, and monochrome. Additionally, users can swap color
    schemes of titles, texts, and backgrounds with over seven different coloring
    options.
 3. Animations – epileptic users can stop all running animations with the click
    of a button. Animations controlled by the interface include videos, GIFs,
    and CSS flashing transitions.
 4. Content highlighting – users can choose to emphasize essential elements such
    as links and titles. They can also choose to highlight focused or hovered
    elements only.
 5. Audio muting – users with hearing devices may experience headaches or other
    issues due to automatic audio playing. This option lets users mute the
    entire website instantly.
 6. Cognitive disorders – we utilize a search engine linked to Wikipedia and
    Wiktionary, allowing people with cognitive disorders to decipher meanings of
    phrases, initials, slang, and others.
 7. Additional functions – we allow users to change cursor color and size, use a
    printing mode, enable a virtual keyboard, and many other functions.

Assistive technology and browser compatibility

We aim to support as many browsers and assistive technologies as possible, so
our users can choose the best fitting tools for them, with as few limitations as
possible. Therefore, we have worked very hard to be able to support all major
systems that comprise over 95% of the user market share, including Google
Chrome, Mozilla Firefox, Apple Safari, Opera and Microsoft Edge, JAWS, and NVDA
(screen readers), both for Windows and MAC users.

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needs, there may still be pages or sections that are not fully accessible, are
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solution to make them accessible. Still, we are continually improving our
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