Craig ReynoldsSenior Loan Officer at CMS Mortgage

    Craig Reynolds — Senior Loan Officer at CMS Mortgage: 25+ years guiding Mid-Atlantic families home,one conversation at a time

    I help buyers and homeowners in Maryland, Pennsylvania and Delaware pick the right loan and close without surprises.

    Free to talk. No credit check to start.

    Craig Reynolds, Senior Loan Officer
    Craig Reynolds, NMLS #498059 · verify
    CMS Mortgage Solutions Inc. NMLS #212405
    in mortgage
    25 yrs
    licensed states
    MD · PA · DE

    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 Craig, not a call queue. About two minutes.

    1 / 3

    What brings you here today?

    Prefer a human first? Text Craig

    What happens after I hit send?

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

    Meet Craig.

    Craig Reynolds has spent more than a quarter-century mastering the residential mortgage industry across Maryland, Pennsylvania, and Delaware. What began as a career suggestion from his sister—a mortgage veteran herself—has evolved into a calling defined by deep expertise and genuine care for each client he serves. Craig's longevity in the business isn't just about tenure; it's about the countless families he's guided through one of the biggest financial decisions of their lives, always with clarity, patience, and a personal touch that turns complex loan scenarios into straightforward paths forward.

    Whether you're a first-time buyer navigating the process for the very first time or a seasoned homeowner looking to refinance, Craig brings a wealth of knowledge from every corner of the mortgage world. He's seen market shifts, regulatory changes, and evolving loan products, and he uses that perspective to tailor solutions that fit your unique situation. His clients appreciate his ability to explain the details without the jargon and to stay accessible throughout the entire journey.

    When he's not working with clients, you'll likely find Craig and his family enjoying life on or around the Chesapeake Bay. That connection to the water and the Mid-Atlantic region runs deep—it's the same care and appreciation he brings to serving the communities where he's licensed and the people who call them home.

    How it works with CMS

    1. 1

      Answer three questions

      Two minutes, right on this page. Your answers come to me, not a queue.

    2. 2

      Lenders compete

      CMS is a mortgage broker, so wholesale lenders compete for your loan. You don't shop them one by one.

    3. 3

      A clear plan

      I walk you through what comes next in plain English, from first call to keys.

    Off the clock

    • Weekend EscapeLoves spending time on the Chesapeake Bay with family
    • How I StartedMy sister convinced me to try mortgages 25+ years ago
    • Local ExpertProudly serving MD, PA, and DE communities
    • ExperienceOver 25 years in residential mortgage lending

    Before you call

    Still unsure? Text me a question.

    Where are you licensed?

    I am licensed in Maryland, Pennsylvania and Delaware. You can check my license any time on NMLS Consumer Access (NMLS #498059).

    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.