Demetria Bellamy — Loan Officer at CMS Mortgage: Simplifying home loans,one conversation at a time.

Demetria Bellamy helps borrowers in Virginia navigate the mortgage process with clarity and patience. Whether you're buying your first home, refinancing to lower your monthly payment, or exploring what loan programs you qualify for, Demetria breaks down the numbers and explains your options in plain English. She answers questions quickly and makes sure you understand every decision before you make it.

Demetria works with CMS Mortgage Solutions, a wholesale broker that shops 50+ lenders per scenario. That means she's not locked into one bank's rates or rules. She finds the lender and loan structure that fit your income, credit score, and down payment. If one lender says no, she has dozens of other options to explore.

As a loan officer licensed in Virginia, Demetria understands the state's first-time buyer assistance programs, jumbo loan thresholds in high-cost counties, and VA loan benefits for military families. When you reach out, you'll get a clear explanation of what you can afford, what your monthly payment will look like, and what documents you need to move forward.