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Gain an Edge in the Marketplace with the CMG All In One Loan™ available to IMB™ MLOs

July 8, 2024

Recently, CMG Financial’s decision to pull the All In One Loan™ from a majority of mortgage brokers in the industry has resulted in a considerable shift. IMB™ is among the few brokers who still have access to this loan product and make it available to MLOs powered by IMB™. The All In One Loan™ is a fairly new loan product that conveniently rolls your client’s mortgage and checking account into one financial instrument, offering them a valuable tool to reduce interest over the life of the loan and become 2nd home buyers. If you are thinking of making a shift from the captive market sector or another independent mortgage firm, IMB™ can give you access to this loan option, which will give you a valuable edge in this high-interest rate market and potentially access to even more borrowers. Here is what you need to know about the All In One Loan™.

If you are looking to gain an edge in the marketplace with innovative loan products, check out our comprehensive guide on wholesale mortgages for mortgage loan officers, which includes valuable insights like the CMG All In One Loan™ available to IMB™ MLOs.

Understanding the All In One Loan™

The distinctive ability of this product to access the features of a traditional mortgage with those of a home equity line of credit (HELOC) stands out. Borrowers use their loan as a checking account, and by depositing income directly into the loan account, they can effectively reduce their daily loan balance and save on interest costs over time. This product is particularly appealing because it provides:

  • Interest Savings: By using the account for daily transactions and deposits, borrowers can reduce the average daily loan balance, leading to substantial interest savings over time, allowing your clients’ money to work for them.
  • Accelerated Mortgage Payoff: Borrowers can achieve quicker mortgage payoff through the adaptable features of this loan, compared to traditional mortgages.
  • Cost Efficiency: The All In One Loan™ can help borrowers save on interest, potentially reducing the total cost of the mortgage and making your client’s loan even more manageable.
  • Flexible Access to Equity: Borrowers can access their home equity at any time without the need for a separate HELOC

The Benefits of the All In One Loan™ to the MLO

For MLOs considering a transition from the banking sector to the independent mortgage sector, the All In One Loan presents a compelling case:

  • Enhanced Client Offering: By introducing this unique product to clients, you can provide them with an enhanced financial tool that improves their flexibility and ability to save.
  • Market Differentiation: Offering such an innovative product can set MLOs apart in a competitive market, attracting clients who are looking for more than just a standard mortgage and giving you the upper hand when competing for new clients.
  • Increased Competitiveness: In a market where differentiation is paramount, having access to the All In One Loan can establish you as the top choice for clients looking to tap forward-thinking financial solutions.
  • Client Retention: The ongoing benefits of the All In One Loan encourage client loyalty and long-term relationships.
  • Personal Growth: By adopting an independent model with IMB™, you gain autonomy, unlock higher earning potential, and achieve greater flexibility in serving your clients.

IMB™: Your Gateway to the All In One Loan™

IMB™ is one of the few brokers nationwide that still offer the All In One Loan™. IMB™ is quickly growing in the independent landscape as more MLOs join to experience the best of both worlds—the support of the banking side along with nearly $3k more per deal on average. This positions IMB™ as a leader in the industry, committed to providing mortgage loan officers with the tools and support they need to succeed. Here is why joining IMB™ can be a game-changer:

  • Supportive Environment: Access resources, mentorship, and a community-centric platform that ensures a smooth transition to independence.
  • Competitive Advantage: With access to unique products like the All In One Loan™, IMB™ brokers are equipped to offer competitive rates and help their past homebuyers who can use the All In One Loan™ to buy a second home. 
  • Empowerment and Growth: IMB™ empowers loan officers to maximize their earning potential while providing continuous support from a network of experienced professionals.
  • Strong Infrastructure: IMB’s™ lending portal provides all the necessary tools, resources, and community support for independent loan officers to not only make the shift to independence but also to thrive.

Making the Transition

Loan officers who move to an independent model with IMB™ can open doors to new opportunities and greater success. They can offer the All In One Loan, which can be a significant factor in attracting and retaining clients, setting them apart in a crowded, competitive landscape. Joining IMB™ means gaining access to this innovative product and becoming part of a supportive community dedicated to their growth and success. IMB™ prioritizes the needs of loan officers and borrowers.


The All In One Loan™ represents a significant opportunity in the mortgage industry, and IMB™ invites banking sector MLOs to explore the potential of independence with IMB™, leveraging the unparalleled benefits of the All In One Loan™ to propel their careers forward and enhance client relationships. Making the shift to IMB™ allows you to tap into your earnings potential by offering cutting-edge products and unmatched support to your clients.

For more information on transitioning to IMB™ and the benefits of the All In One Loan™, contact us at 303-717-4330.

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  • Chris Burgess ★★★★★ a month ago
    I will say joining Independent Mortgage Brokers has been one of the best choices I have made in my mortgage career. Coming from the the direct lender world to broker … read more was definitely a leap of faith, and IMB has not disappointed. The ease of working with Ryan and the team, the fantastic loan options, and the ability to choose what is best for clients has been nothing but mind blowing.
    Thanks for bringing me on and I am very happy to be hear.

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