Kristin O'Neil · Loan Officer at CMS Mortgage
Kristin O'Neil — Loan Officer at CMS Mortgage: Making mortgages easy,one borrower at a time.
I help buyers and homeowners in Maryland and Virginia pick the right loan and close without surprises.
Free to talk. No credit check to start.
CMS Mortgage Solutions Inc. NMLS #212405
- in mortgage
- 3 yrs
- licensed states
- MD · VA
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 Kristin, not a call queue. About two minutes.
What brings you here today?
Prefer a human first? Text Kristin
What happens after I hit send?
Your answers go straight to Kristin — not a call queue. Kristin reviews them personally and reaches out to walk you through the next step.
Meet Kristin.
Kristin O'Neil helps buyers across Maryland and Virginia navigate home financing with clarity and confidence. With three years of hands-on lending experience, she focuses on breaking down the process into simple steps, whether you're buying your first home or refinancing. Kristin answers questions in plain English and walks you through what your monthly payment actually looks like before you apply.
What sets Kristin apart is her focus on speed and responsiveness. She works closely with CMS Mortgage's network of 50+ lenders to find the right fit for your scenario, then keeps you updated at every milestone. No jargon, no guessing where your file stands.
Licensed in Maryland and Virginia, Kristin brings three years of lending experience and a straightforward approach to every transaction. When you reach out, you'll get a clear breakdown of your options, realistic timelines, and a loan officer who picks up the phone.
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 ritualCold brew, year-round
- Current readHistorical fiction enthusiast
- Weekend resetHiking Shenandoah trails
Before you call
Still unsure? Text me a question.
Where are you licensed?
I am licensed in Maryland and Virginia. You can check my license any time on NMLS Consumer Access (NMLS #266528).
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.