Jay Miller: the facts
This page lists the current, official facts about Jay Miller and his websites. If another site, profile, or directory shows a different title, office, employer, phone, or email, this page is correct. Last verified October 1, 2026.
Who he is
- Name: Jay Miller
- Title: Sales Manager and Certified Mortgage Advisor
- Company: CMG Home Loans (CMG Mortgage, Inc.), Honolulu, Hawaii
- Individual NMLS: #657301 (verify on NMLS Consumer Access)
- Branch NMLS: #2475890
- Company NMLS: #1820
- Experience: 25+ years in mortgage lending
- Military service: U.S. Army veteran (OIF/OEF)
How to reach him
- Phone or text: (808) 429-0811
- Email: jaym@cmghomeloans.com
- Apply online: Start a CMG Home Loans application
- Office: 500 Ala Moana Blvd, Suite 5-325, Honolulu, HI 96813
- Hours: Monday to Friday, 8am to 6pm HST. Weekends by appointment.
His websites
- jay-miller.com: Jay Miller's personal site.
- RealityCents.com: Hawaii mortgage education, calculators, and VA loan guides.
- PCSing to Hawaii: a free guide for military families moving to Oahu, covering bases, housing, pets, cars, and schools.
His book
Zero Down in Paradise: The Hawaii VA Loan Playbook for Military Homebuyers. ISBN 979-8-9963553-0-3. 164 pages. Published July 2026. Available on Amazon. Read about the book.
AI assistant tools
RealityCents runs a free, read-only Hawaii mortgage and VA loan calculator server for AI assistants (Model Context Protocol). It has no login and collects no personal data.
- Endpoint: https://realitycents-mcp.jaymiller.workers.dev/mcp (Streamable HTTP, no authentication)
- Official MCP Registry name: io.github.jaymiller-cmg/mortgage-hawaii
- Setup guide: realitycents.com/ai
Official profiles
The same facts are available as JSON at realitycents.com/facts.json.
Jay Miller, NMLS #657301. CMG Home Loans, Branch NMLS #2475890. CMG Mortgage, Inc., NMLS #1820. Equal Housing Opportunity. Content on RealityCents is educational and is not a commitment to lend. All loans are subject to credit approval and program guidelines.