The Mortgage
You Actually
Want.
No stuffy suits. No confusing jargon. Just great rates and a process that feels like 2026, not 1994.
21d avg close · methodology →
21-day average close · 50+ lenders competing for your rate
How it works · Why it works
The mortgage, without the portal silence.
Three steps. A real loan officer on every one. The same person who answers your first question signs your closing letter.
Step One
50+ products in one application: Conventional, FHA, VA, USDA, Jumbo, Bank Statement, DSCR, ITIN. We shop the rate against all of them, not just the one we make the most on.
Step Two
A loan officer licensed in your state pulls credit, runs the numbers, and emails the letter back in 15 min – 24 hr. Take it to any showing the same day.
Step Three
Your LO and processor stay on the file end-to-end. Weekly status, named owner per task, no black-box portal where the file goes silent for a week.
— Receipts —
50+
Programs
vs. 5–10 at a typical bank. More options, better rate.
15 min
Pre-approval
Letter back in 15 min – 24 hr. Take it same-day.
27
States licensed
Your LO knows the local market and the state programs.
2005
Closing since
Self-employed, 1099, investor, recent credit event.
Our Collection
Shop Popular Loans
Filed monthly · Stamped quarterly · Audited annually
The receipts, kept.
What Our Clients Say
Don't just take our word for it — hear from families we've helped achieve their homeownership dreams.
"Kevin, our lender representative kept us informed, broke down information into 101 style, answered all of our questions, he is sincere about his job and the clients he services, very knowledgeable, and worked with us throughout the entire process. I would definitely refer and recommend Mr Kevin to potential clients to assist in the lending process. A+++"
Katrina Bryant
"We cannot say enough great things about CMS Mortgage Solutions. From the beginning to end no matter who we talked with they were all very professional, knowledgeable, and so very helpful!! Truly a pleasure to work with!!"
Jeanine Nichols
"I had an amazing experience working with CMS Mortgage! Moe did a terrific job helping me and my husband to understand every little thing in the home buying process and definitely made magic happen since we started and finished our process in one month! Will definitely be recommending this company to anyone I can!"
drea may
"I've never closed on a house so fast with zero setbacks or delays. Vidhi and her team provided top notch service from the 1st phone call to closing. Do not hesitate to do business with CMS Mortgage."
Juggernaut
"Working with Jarrod Hunt was a dream. He really streamlined the process and made things so easy for us. Will look him up in the future if the need arises again!"
April Kayton
"Andrew Cannon is an exceptional person to work with. He is dedicated, sincere, and thorough. Throughout our time working with him he made sure we were updated, knowledgeable of our options, and clear with his goals. I would recommend Andrew to anyone!"
B P
"Andrew Cannon and his entire team at CMS made the home buying process so easy. They did absolutely everything necessary to make sure I can purchase a home. With CMS it wasn't about a transaction, it was about the relationship."
Donovan Frey
"Craig is a excellent broker. He kept me well informed of what was needed and what was happening during the review processes."
William Hemling
"Kevin was wonderful to work with. He made a stressful process go a lot smoother than I ever expected. Truly appreciate his patience, responsiveness, and knowledge!!"
Shannon Taylor
"Andrew Cannon is the best in the business! He's always there to answer any of your questions, and is very friendly and knowledgeable. Couldn't recommend him enough!"
Micah Davis
"From start to finish Christine and her team made the process seamless! Excellent prompt friendly communication."
julia smith
"Great service, amazing!!! I'll recommend everyone who needs to buy a new get in touch with CMS Mortgage. Everything was done in less than a month. Thanks once again"
Kobe Achie
"Mr Fitzpatrick was extremely knowledgeable, helpful and timely with every aspect of my home loan process. I would highly recommend him to anyone"
Ken Ramsey
"CMS Mortgage is a great team to have on you side to help make your dreams come true/alive for you and your family. They will do everything they can to make the process be easy. Thank you Vicki Backof and team for everything yall did to help my dream come true for me and my family."
Jacqueline Cuebas
"CMS Mortgage Solutions team was very professional, knowledgeable and attentive to my mortgage needs. I highly recommend this team!"
Derric
"Kevin, our lender representative kept us informed, broke down information into 101 style, answered all of our questions, he is sincere about his job and the clients he services, very knowledgeable, and worked with us throughout the entire process. I would definitely refer and recommend Mr Kevin to potential clients to assist in the lending process. A+++"
Katrina Bryant
21days
Average Close Time
Median 19 days across 147 recent fundings
"We cannot say enough great things about CMS Mortgage Solutions. From the beginning to end no matter who we talked with they were all very professional, knowledgeable, and so very helpful!! Truly a pleasure to work with!!"
Jeanine Nichols
21days
Average Close Time
Median 19 days across 147 recent fundings
"I had an amazing experience working with CMS Mortgage! Moe did a terrific job helping me and my husband to understand every little thing in the home buying process and definitely made magic happen since we started and finished our process in one month! Will definitely be recommending this company to anyone I can!"
drea may
21days
Average Close Time
Median 19 days across 147 recent fundings
"I've never closed on a house so fast with zero setbacks or delays. Vidhi and her team provided top notch service from the 1st phone call to closing. Do not hesitate to do business with CMS Mortgage."
Juggernaut
21days
Average Close Time
Median 19 days across 147 recent fundings
"Working with Jarrod Hunt was a dream. He really streamlined the process and made things so easy for us. Will look him up in the future if the need arises again!"
April Kayton
21days
Average Close Time
Median 19 days across 147 recent fundings
"Andrew Cannon is an exceptional person to work with. He is dedicated, sincere, and thorough. Throughout our time working with him he made sure we were updated, knowledgeable of our options, and clear with his goals. I would recommend Andrew to anyone!"
B P
21days
Average Close Time
Median 19 days across 147 recent fundings
"Andrew Cannon and his entire team at CMS made the home buying process so easy. They did absolutely everything necessary to make sure I can purchase a home. With CMS it wasn't about a transaction, it was about the relationship."
Donovan Frey
21days
Average Close Time
Median 19 days across 147 recent fundings
"Craig is a excellent broker. He kept me well informed of what was needed and what was happening during the review processes."
William Hemling
21days
Average Close Time
Median 19 days across 147 recent fundings
"Kevin was wonderful to work with. He made a stressful process go a lot smoother than I ever expected. Truly appreciate his patience, responsiveness, and knowledge!!"
Shannon Taylor
21days
Average Close Time
Median 19 days across 147 recent fundings
"Andrew Cannon is the best in the business! He's always there to answer any of your questions, and is very friendly and knowledgeable. Couldn't recommend him enough!"
Micah Davis
21days
Average Close Time
Median 19 days across 147 recent fundings
"From start to finish Christine and her team made the process seamless! Excellent prompt friendly communication."
julia smith
21days
Average Close Time
Median 19 days across 147 recent fundings
"Great service, amazing!!! I'll recommend everyone who needs to buy a new get in touch with CMS Mortgage. Everything was done in less than a month. Thanks once again"
Kobe Achie
21days
Average Close Time
Median 19 days across 147 recent fundings
"Mr Fitzpatrick was extremely knowledgeable, helpful and timely with every aspect of my home loan process. I would highly recommend him to anyone"
Ken Ramsey
21days
Average Close Time
Median 19 days across 147 recent fundings
"CMS Mortgage is a great team to have on you side to help make your dreams come true/alive for you and your family. They will do everything they can to make the process be easy. Thank you Vicki Backof and team for everything yall did to help my dream come true for me and my family."
Jacqueline Cuebas
21days
Average Close Time
Median 19 days across 147 recent fundings
"CMS Mortgage Solutions team was very professional, knowledgeable and attentive to my mortgage needs. I highly recommend this team!"
Derric
21days
Average Close Time
Median 19 days across 147 recent fundings
Common Questions
Got Questions? We've Got Answers.
Plain-English answers to the questions we hear most.
What credit score do I need to get a mortgage?
It depends on the loan. Conventional loans start at 620, FHA goes as low as 580 with 3.5% down, and VA loans have no VA-set minimum. Don't count yourself out — we shop 50+ lenders to find one that fits your profile, even if your score isn't perfect.
How much down payment do I need?
Less than you think. Conventional loans start at 3% down, FHA at 3.5%, and VA and USDA loans offer 0% down for eligible borrowers. On a $300K home, that's as low as $9,000. We'll walk you through every option and find the one that keeps the most cash in your pocket.
How long does the mortgage process take?
We average 21 days from application to closing — less than half the industry average of 45+ days. Your timeline depends on loan type and how fast you send us docs, but we keep things moving so you're not stuck waiting.
What documents do I need to apply?
The basics: pay stubs (last 30 days), W-2s (last 2 years), bank statements (last 2 months), tax returns (last 2 years), and a government ID. Self-employed? You may need a couple extra items. Either way, you upload everything from your phone — no scanning, no trips to a branch.
Can I get pre-approved online?
Absolutely — it takes about 15 minutes. You'll get a real pre-approval letter (not a wishy-washy pre-qualification) that sellers take seriously. Do it from your phone on the couch tonight and wake up ready to make offers.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is a ballpark guess based on what you tell us. Pre-approval means we've reviewed your docs, pulled credit, and a lender is conditionally ready to fund your loan. In a competitive market, sellers pick the buyer with a pre-approval letter — it shows you're the real deal.
Ready to stop renting and start owning?
Get a custom rate quote in 3 minutes. No credit impact to check.