Filipina Cecil — Loan Officer at CMS Mortgage
NMLS #454269Loan 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.
Let's see what you qualify for.
Three quick questions — straight to Filipina, not a call queue.Filipina takes it from there personally.
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.
Morning ritual
Always iced coffee, year-round
Current read
Historical fiction and memoirs
Volunteer work
Local food bank twice a month
How it works with CMS
- 1
Answer three questions
Two minutes, right on this page. Filipina gets your request directly — not a queue.
- 2
Wholesale lenders compete
CMS is a broker: lenders compete for your loan instead of you shopping them one by one.
- 3
A clear plan, personally
Filipina walks you through exactly what comes next — no jargon, no surprises.