Christine Efird · Loan Officer at CMS Mortgage
Christine Efird — Loan Officer at CMS Mortgage: Simplifying home loans,one deal at a time.
I help buyers and homeowners in 5 states pick the right loan and close without surprises.
Free to talk. No credit check to start.
CMS Mortgage Solutions Inc. NMLS #212405
- in mortgage
- 5 yrs
- licensed states
- 5
Let's see what fits you.
Prefer to skip the form? Call, text or email me directly.
Three quick questions
Your answers go straight to Christine, not a call queue. About two minutes.
What brings you here today?
Prefer a human first? Text Christine
What happens after I hit send?
Your answers go straight to Christine — not a call queue. Christine reviews them personally and reaches out to walk you through the next step.
Hi, I’m Christine.
Buying a home comes with enough moving parts. Your mortgage shouldn’t add to the chaos.
Christine Efird is a loan officer who believes the mortgage process should feel clear, straightforward, and a whole lot less intimidating. She works with first-time buyers, self-employed borrowers, relocating families, and experienced homeowners—answering questions quickly, explaining options in plain English, and making sure you always know what happens next.
As a mortgage broker with access to CMS Mortgage’s network of 50+ wholesale lenders, Christine can shop multiple lenders to find financing that fits the borrower—not the other way around. From low-down-payment options to bank statement loans and unique scenarios that don’t fit neatly inside a box, she loves finding solutions and helping people get to the closing table with confidence.
Christine is also proud to be part of Homes for Heroes, helping serve the people who spend their careers serving their communities. Building relationships is one of her favorite parts of this business, whether she’s working with a homebuyer, Realtor, or one of the many professionals it takes to make a closing happen.
And when she’s not talking mortgages? There’s a very good chance she’s talking DC sports. She loves her Washington teams through the good, the bad, and the “maybe next year.” She’s also usually accompanied by her Golden Retriever—and almost definitely has an iced coffee nearby.
Mortgages can be complicated. Working with your loan officer shouldn’t be.
What I help with
- VA Loans
- First-Time Buyers
How it works with CMS
- 1
Answer three questions
Two minutes, right on this page. Your answers come to me, not a queue.
- 2
Lenders compete
CMS is a mortgage broker, so wholesale lenders compete for your loan. You don't shop them one by one.
- 3
A clear plan
I walk you through what comes next in plain English, from first call to keys.
Off the clock
- Morning ritualIced coffee, every single day
- Favorite teamWashington teams. Through the good, the bad & the “maybe next year.”
- Pet's nameJetty .. I just live here and pay the mortgage. 🐾
Before you call
Still unsure? Text me a question.
What can you help me with?
VA Loans, First-Time Buyers. Tell me what you are trying to do and I will walk you through the options that fit.
Where are you licensed?
I am licensed in California, Florida, North Carolina, Virginia and South Carolina. You can check my license any time on NMLS Consumer Access (NMLS #2297900).
What happens after I send the form?
I reach out to you personally. I only text you if you check the consent box, and you can reply STOP at any time.
Does talking to you cost anything or hurt my credit?
A conversation is free and does not involve a credit check. If we move to pre-approval, I will tell you before anything touches your credit.