Why borrowers stay calm with Jose

Jose Palomo is a Virginia-based loan officer who helps first-time buyers, move-up families, and self-employed borrowers navigate the mortgage process without the confusion. He translates rate sheets and underwriting guidelines into plain-English explanations, so you know exactly what your monthly payment will look like and what documents you actually need. Jose works with CMS Mortgage Solutions, a wholesale broker with access to over 50 lenders. That means he can shop your scenario across conventional, FHA, VA, and non-QM options to find the right fit for your credit, down payment, and income type. If you're self-employed or have tax returns that don't tell the full story, he knows which lenders will look at bank statements or alternative documentation. With two years of hands-on experience and the backing of a top-50 national brokerage, Jose gives Virginia borrowers the clarity and options that single-lender banks can't match. When you reach out, you'll get a straight answer about what you qualify for, what it costs, and how long it takes.