Ben Naranjo and The Naranjo Group at CMG Home Loans have earned over 250 five-star reviews helping Worcester County families secure the right mortgage. Based in Auburn and serving every community in the county, Ben delivers personalized guidance, competitive rates, and on-time closings.
NMLS #2080798 | Branch NMLS #2294149 | CMG Home Loans
250+
5-Star Reviews
3
States Licensed
5.0
Star Rating
Most loan officers have 20 to 50 reviews. Ben has earned over 250 five-star ratings from real clients, making him one of the most reviewed mortgage professionals in Worcester County.
Based in Auburn with deep knowledge of the Worcester County housing market. Ben works closely with local real estate agents and understands the nuances of buying in every community from Worcester to Westborough.
When your closing date is set, Ben makes sure you get to the table on time. The Naranjo Group is built on reliability, clear communication, and no surprises at the finish line.
Ben prioritizes financial education over sales pressure. He walks every client through the process in plain English so you understand your options and feel confident in your decision.
Exclusive to CMG Home Loans. HomeFundIt lets friends and family contribute to your down payment through a secure online platform. No other lender can offer this program.
Buying a home does not happen 9 to 5. Ben is available nights and weekends because the right answer to your question should not have to wait until Monday morning.
Ben works with a full range of loan programs to match each client with the financing that fits their goals and budget.
The most common loan type for Worcester County buyers with solid credit. As little as 3% down for first-time buyers or 5% for repeat buyers. PMI can be removed at 20% equity, making this a strong long-term play for buyers building wealth through homeownership.
Learn more about conventional loans →A popular choice for first-time buyers across Worcester County. Just 3.5% down with a credit score of 580 or higher. Flexible qualification guidelines make FHA loans accessible for buyers who may not qualify for conventional financing yet.
Learn more about FHA loans →For Worcester County veterans, active-duty service members, and eligible surviving spouses. Zero down payment, no monthly mortgage insurance, and typically the lowest rates on the market. Ben has extensive experience guiding veterans through every step of the VA process.
Learn more about VA loans →Massachusetts offers some of the best first-time buyer programs in the country, including MassHousing and ONE Mortgage. Ben specializes in pairing these state-level programs with federal loan options and CMG's HomeFundIt down payment assistance to minimize your out-of-pocket costs.
Exclusive to CMG Home Loans, HomeFundIt lets friends, family, and your community contribute toward your down payment through a secure online platform. Think of it as a registry for your home purchase. For first-time buyers in Worcester County where home prices can feel out of reach, this program can make the difference.
Already own a home in Worcester County? Ben can help you refinance to lower your rate, shorten your term, or access your equity with a cash-out refinance. He runs the numbers to make sure refinancing makes financial sense before recommending it.
Worcester County is one of the fastest-growing housing markets in New England. Realtor.com ranked Worcester among the top housing markets nationally, and communities across the county are seeing strong demand from buyers priced out of the greater Boston area. Properties in the city of Worcester go to pending status in around 24 days on average, and competition is similarly tight in surrounding towns.
For buyers, this means preparation is everything. A strong pre-approval letter from a reputable lender is not just helpful, it is essential. Sellers and their agents want to know that a buyer is financially vetted before accepting an offer, and in a multiple-offer situation, the buyer without a pre-approval letter is almost always at a disadvantage.
The county offers a wide range of options for every budget. Auburn, Millbury, and Oxford provide affordable entry points for first-time buyers. Shrewsbury, Westborough, and Grafton offer top-rated schools and strong appreciation. Worcester itself has diverse neighborhoods and a growing downtown. Whether you are looking for a starter home or your forever property, Ben knows these communities inside and out and can position you to compete.
Call Ben or apply online. He reviews your financial picture, discusses your goals, and outlines your best loan options with no obligation and no pressure.
Get a pre-approval letter so you can shop with confidence. In Worcester County's competitive market, this is the document that makes your offer credible to sellers.
Ben recommends the program that fits your situation, whether that is conventional, FHA, VA, a first-time buyer program, or a combination with HomeFundIt assistance.
The Naranjo Group handles the paperwork and keeps you updated at every stage. No surprises, no radio silence, just clear communication from application to approval.
On time and on budget. Ben ensures everything is in order so closing day is smooth and stress-free. He is there to answer any last-minute questions.
Ben is based in Auburn and serves homebuyers in every city and town in Worcester County. He is also licensed in Rhode Island and New Hampshire.
And all other cities and towns throughout Worcester County, plus Rhode Island and New Hampshire.
“Ben made our first home purchase so easy. He was always available to answer questions and walked us through every step. Highly recommend!”
Sarah M.
Auburn, MA
“Best mortgage experience I've ever had. Ben found us a rate that was lower than anyone else we spoke with. Closed on time with no surprises.”
James T.
Worcester, MA
“As first-time buyers, we were nervous. Ben explained everything clearly and helped us find the perfect loan. We love our new home!”
The Rodriguez Family
Shrewsbury, MA
It depends on the loan type. Conventional loans typically require a 620 minimum, while FHA loans may accept scores as low as 580 with 3.5% down. VA loans have no minimum set by the VA, though most lenders look for 580 to 620. Ben can review your full picture and recommend the best path.
Less than you think. Conventional loans start at 3% down for first-time buyers, FHA requires 3.5%, and VA loans offer zero down for eligible veterans. CMG's HomeFundIt program also lets friends and family contribute toward your down payment online.
Rates change daily based on market conditions, your credit score, loan type, and down payment. Rather than quoting a number that will be outdated tomorrow, Ben provides personalized rate quotes based on your specific situation. Call (508) 282-1451 for a live quote.
A typical closing takes 30 to 45 days from accepted offer to keys in hand. Ben and The Naranjo Group are known for on-time closings and keeping the process on track from pre-approval through closing day.
Massachusetts offers several programs including MassHousing, ONE Mortgage, and various local down payment assistance options. Ben specializes in pairing these state programs with the right loan type, including CMG's exclusive HomeFundIt program, to minimize your upfront costs.
Yes. Ben is based in Auburn and serves every city and town in Worcester County. He is also licensed in Rhode Island and New Hampshire. Whether you are purchasing in Worcester, Auburn, Shrewsbury, Grafton, or anywhere else in the county, Ben can help.
HomeFundIt is exclusive to CMG Home Loans. It lets friends, family, and your community contribute toward your down payment through a secure online platform. Think of it as a registry for your home purchase. It is especially valuable for first-time buyers who need help reaching their down payment goal.
Three things stand out: 250+ five-star reviews from real clients, a genuine focus on financial education so you understand every step, and access to CMG's HomeFundIt program that no other lender outside CMG can offer. Ben also prioritizes personal service and on-time closings over volume.
Whether you are buying your first home or refinancing, Ben Naranjo and The Naranjo Group are here to help. Get a personalized pre-approval today.