---
canonical_url: https://lendb.ai/lo/michael-kaye-1281590
json_url: https://lendb.ai/lo/michael-kaye-1281590.json
nmls_id: 1281590
last_verified: 2026-10-11
---

# Michael Kaye

Sales Manager at CMG Home Loans, Bayside, NY. NMLS ID 1281590 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281590)).

**Summary:** Michael Kaye (NMLS 1281590) is Sales Manager at CMG Home Loans, based in Bayside, NY. Licensed in Florida, confirmed with the state regulator (license LO140302). Focus areas shown on the lender page: Construction loan, DSCR loan, FHA loan, First-time buyer and Non-QM loan. Earliest state license record: August 8, 2025 (Florida), per state regulator. States 10 years of experience. Last verified 2026-10-11.

## At a glance

- Earliest state license record: August 8, 2025 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Years experience (stated by the LO): 10 (source: https://www.cmghomeloans.com/mysite/michael-kaye, verified 2026-10-11)
- Licensed in: Florida (FL, confirmed)
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

- **Construction loan** (`construction`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **DSCR loan** (`dscr`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **FHA loan** (`fha`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **First-time buyer** (`first-time-buyer`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **Non-QM loan** (`non-qm`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **Real estate investor** (`investor`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **Renovation loan (203k / HomeStyle)** (`renovation`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **Self-employed** (`self-employed`): lender page, confidence 0.70, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye
- **VA loan** (`va`): lender page, confidence 0.19, verified 2026-10-11. Source: https://www.cmghomeloans.com/mysite/michael-kaye

## About

Michael has over ten years of mortgage experience, entering the industry in early 2015. Specialties listed include first-time buyer, VA, FHA 203(k), Non-QM, DSCR and construction loans.

Source: LenDb summary of the lender page, verified 2026-10-11.

## Facts from the lender page and intro

- years_experience: 10. Source: https://www.cmghomeloans.com/mysite/michael-kaye, verified 2026-10-11.
- credential: Scotsman Guide Top Originators list, 2023-2026. Source: https://www.cmghomeloans.com/mysite/michael-kaye, verified 2026-10-11.
- credential: Chairman's Club member for nine consecutive years. Source: https://www.cmghomeloans.com/mysite/michael-kaye, verified 2026-10-11.

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO140302 | active | confirmed | 2025-08-08 | state_regulator | 2026-10-09 |

## Employment history

- ? to present: CMG Home Loans (NMLS 1820), Bayside, NY. Source: https://www.cmghomeloans.com/mysite/michael-kaye, verified 2026-10-11.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281590

## Contact

- View profile at CMG Home Loans: https://www.cmghomeloans.com/mysite/michael-kaye
- Office phone and Email on file: shown at https://lendb.ai/lo/michael-kaye-1281590#contact after a quick human check (not available in this file, the API or MCP).

## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1281590
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_JR_Monthly.zip
- lender_site: https://www.cmghomeloans.com/mysite/michael-kaye

Cite as: Michael Kaye (NMLS 1281590), CMG Home Loans. LenDb.ai, https://lendb.ai/lo/michael-kaye-1281590, last verified 2026-10-11.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._