Why borrowers stay calm with Chelsi

Chelsi Zajac is a loan officer specializing in California and Virginia markets, helping first-time buyers, move-up families, and investors navigate rates, down payment options, and credit requirements without the confusion. She breaks down complex loan scenarios into clear next steps, so you know exactly what you qualify for and what your monthly payment will look like before you start house hunting. Because CMS Mortgage is a wholesale broker, Chelsi shops your scenario across 50+ lenders instead of offering a single bank's rate sheet. That means more loan options, better pricing flexibility, and solutions for buyers who don't fit the cookie-cutter mold. Whether you're self-employed, have student loans, or need a jumbo loan in a high-cost county, she finds the lender that says yes. With three years of hands-on experience and deep knowledge of California and Virginia lending landscapes, Chelsi has helped buyers in competitive coastal markets and growing suburban corridors alike. When you reach out, you'll get a clear breakdown of what you qualify for, what your rate and monthly payment look like, and a realistic timeline to close.