Filipina Cecil — Loan Officer at CMS Mortgage

    Filipina Cecil, Loan OfficerNMLS #454269

    Loan Officer · VA

    Mortgages for Virginia buyers, plain and simple

    I'll get you from application to keys — personally. Let's start with three quick questions.

    Text me first
    14 yrsin mortgage
    VAlicensed state
    #454269NMLS verified

    Let's see what you qualify for.

    Three quick questions — straight to Filipina, not a call queue.Filipina takes it from there personally.

    1 / 3

    What brings you here today?

    Prefer a human first? Text Filipina

    What happens after I hit send?

    Your answers go straight to Filipina — not a call queue. Filipina reviews them personally and reaches out to walk you through the next step.

    Why borrowers stay calm with Filipina

    Filipina Cecil is a loan officer based in Virginia who specializes in working with real estate agents and their buyer clients. With a focus on active referral partnerships, she builds strong relationships with agents across the state, ensuring fast communication and reliable closings that protect every transaction. Her approach is straightforward: answer questions quickly, keep deals on track, and make the financing piece predictable. Filipina brings 14 years of mortgage experience to every loan, which means she knows how to navigate tight timelines, tricky credit scenarios, and first-time buyer nerves with equal confidence. She works closely with real estate professionals who need a responsive lender partner, and she makes herself available when agents need clarity on pre-approvals, pricing, or underwriting conditions. Borrowers benefit from that same responsiveness, whether they're buying their first home or their fifth. With more than a decade in the industry and deep roots in Virginia's housing markets, Filipina understands local lending conditions, from Tidewater to Northern Virginia. When you work with her, you get clear answers, proactive updates, and a loan officer who treats your transaction like it matters because it does.

    Coffee

    Morning ritual

    Always iced coffee, year-round

    Book

    Current read

    Historical fiction and memoirs

    Heart

    Volunteer work

    Local food bank twice a month

    How it works with CMS

    1. 1

      Answer three questions

      Two minutes, right on this page. Filipina gets your request directly — not a queue.

    2. 2

      Wholesale lenders compete

      CMS is a broker: lenders compete for your loan instead of you shopping them one by one.

    3. 3

      A clear plan, personally

      Filipina walks you through exactly what comes next — no jargon, no surprises.