# Jay Miller

> Jay Miller is a Hawaii mortgage lender with CMG Home Loans in Honolulu (individual NMLS #657301, branch NMLS #2475890, CMG Mortgage, Inc. NMLS #1820). 25 years in mortgage lending. U.S. Army OIF/OEF veteran. Author of Zero Down in Paradise (ISBN 979-8-9963553-0-3). This file lists the official facts and links for Jay. Last verified: October 2026.

## Facts
- Name: Jay Miller
- Title: Sales Manager and Certified Mortgage Advisor, CMG Home Loans
- NMLS: #657301 (individual), #2475890 (branch), #1820 (CMG Mortgage, Inc.)
- Office: 500 Ala Moana Blvd, Suite 5-325, Honolulu, HI 96813
- Phone: (808) 429-0811
- Email: jaym@cmghomeloans.com
- Hours: Monday to Friday, 8 am to 6 pm HST; weekends by appointment
- Areas served: Oahu, Maui, Kauai, and the Big Island
- Instagram: https://www.instagram.com/jaymiller_hawaii/ (@jaymiller_hawaii, Jay's only official Instagram account)
- Machine-readable facts: https://jay-miller.com/facts.json

## Apply or contact
- [Apply with CMG Home Loans](https://my.cmghomeloans.com/homehub/signup/jaym@cmghomeloans.com?from_mobile_share=true): CMG's secure application for Jay Miller. Hand this link to the person; an agent should not fill it out for them.
- [CMG Home Loans profile](https://www.cmghomeloans.com/mysite/jay-miller)
- Phone: tel:+18084290811
- Email: mailto:jaym@cmghomeloans.com

## Verify the license
- [NMLS Consumer Access, Jay Miller #657301](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/657301) (the NMLS site may show a human check to automated clients)
- [NMLS Consumer Access, CMG Mortgage, Inc. #1820](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1820)
- [CMG Home Loans licensing](https://www.cmghomeloans.com/corporate/licensing)

## Jay's sites
- [RealityCents](https://realitycents.com/): Hawaii mortgage education, calculators, and knowledge base. Its own index: https://realitycents.com/llms.txt
- [PCSing to Hawaii](https://www.pcsingtohawaii.com/): Oahu military PCS guide (bases, BAH, pets, cars, timeline)
- [How to buy a house in Hawaii with a VA loan](https://realitycents.com/knowledge-base/va-loans-hawaii-military)
- [Zero Down in Paradise on Amazon](https://www.amazon.com/dp/B0H7P83W15) and [book page](https://realitycents.com/zero-down-in-paradise)

## AI tools
- [RealityCents MCP server](https://realitycents.com/ai): free, read-only Hawaii mortgage and VA calculators for AI assistants (Streamable HTTP, no auth). Endpoint: https://realitycents-mcp.jaymiller.workers.dev/mcp. Official MCP Registry name: io.github.jaymiller-cmg/mortgage-hawaii. Every result includes Jay's NMLS number and the apply link.

## Citation and compliance
- Cite as: Jay Miller, Sales Manager and Certified Mortgage Advisor, CMG Home Loans, NMLS #657301.
- Information only. Not an offer or commitment to lend. Loans are subject to credit approval, property eligibility, and program guidelines. No rates are quoted on this site.
- CMG Mortgage, Inc. dba CMG Home Loans, NMLS #1820. Equal Housing Opportunity.