Your Home. Your Goals. The Right Mortgage for You.
Whether you're buying your first home, purchasing your next home, building, or refinancing, I help you explore your mortgage options and find the financing that fits your financial goals. Based in San Antonio and licensed in Texas, Florida and California.
I've been in your shoes as a homebuyer.
I've purchased multiple homes myself, so I understand that choosing a mortgage is more than filling out an application. It's about making a decision that fits your life, your budget, and your plans.
I'm Sarah Baraz, a Mortgage Loan Officer with CMG Home Loans. With a B.S. in Business Finance, mortgage lending experience since 2019, and knowledge of a wide range of loan programs, I take the time to understand each buyer's situation, compare available options, and help find the program that best fits their needs and goals.
Whether your financing is straightforward or requires a closer look, you'll get clear explanations and a mortgage approach built around you.
Start With Your Situation
Find mortgage options that fit your goals. Choose a topic below to learn more.
First-Time Homebuyers
Guidance and loan options to help you buy your first home with confidence.
Learn More →Buying Your Next Home
Explore financing options for move-up buyers, second homes, and your next chapter.
Learn More →Refinancing Your Home
Review options to change your loan terms, adjust your payment, or access home equity.
Learn More →Self-Employed Borrowers
Mortgage options for business owners and independent professionals, based on how you earn income.
Learn More →VA Home Loans
Loan options for eligible veterans, service members, and eligible surviving spouses.
Learn More →Construction & Renovation
Explore financing for building a new home or renovating an existing property.
Learn More →Every homebuyer deserves a financing plan that fits.
Whether your mortgage is straightforward or needs a little more attention, I start by understanding your goals and reviewing the available options. These anonymized examples show how careful analysis helped buyers navigate unexpected obstacles. Past results do not guarantee future outcomes.
A builder buyer had been declined over overtime history. The file was re-analyzed using the applicable qualifying structure and the transaction later closed.
Four unrelated buyers ran into the same issue: their self-employed income had not been calculated correctly from the tax returns.
After a credit problem caused the original transaction to collapse, the buyer worked through the issue, went back under contract and later closed.
Answers to the Questions Homebuyers Actually Ask
Explore ten practical guides about mortgage qualification, Texas buying costs, builder incentives and self-employed income.
A mortgage should make sense before you rely on it.
Understand
Income, debts, assets, credit, property and the actual goal.
Calculate
Use the correct method for the borrower's income and program.
Compare
Look at legitimate routes, total cost, cash needed and tradeoffs.
Explain
Make the path understandable before moving forward.
More opportunities for your real estate business.
Team Baraz helps Realtors create new conversations, reach more buyers and turn opportunities into transactions. From AI-search visibility reviews and practical marketing classes to builder inventory campaigns and buyer education, our focus is on helping you grow your business.
When a client is ready to move forward, we also help you evaluate financing options, review unusual scenarios and spot potential issues before they disrupt a contract.
Mortgage Questions? Get Answers You Can Understand.
From down payments and credit scores to loan programs and monthly payments, find straightforward answers to common mortgage questions so you can make informed decisions.
San Antonio based. Serving eligible borrowers throughout Texas, Florida and California.
Most of the process happens by phone, email and secure online document upload, so you get the same personal guidance from Sarah wherever you are.
Let's Talk About Your Home Financing Goals.
Buying your first home, moving to your next one, building, or refinancing? Tell me what you're planning, and let's explore the mortgage options that fit your needs.