Michael Evans · Loan Officer at CMS Mortgage
Michael Evans — Loan Officer at CMS Mortgage: Here to help you close,on your timeline.
I help buyers and homeowners in Virginia pick the right loan and close without surprises.
Free to talk. No credit check to start.
- Licensed loan officer
- NMLS #314635
- Licensed in
- VA
- Company
- CMS Mortgage Solutions Inc.NMLS #212405
- licensed state
- VA
- NMLS, tap to verify
- #314635
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 Michael, not a call queue. About two minutes.
What brings you here today?
Prefer a human first? Text Michael
What happens after I hit send?
Your answers go straight to Michael — not a call queue. Michael reviews them personally and reaches out to walk you through the next step.
Meet Michael.
Michael Evans is a loan officer licensed in Virginia, helping buyers across the Commonwealth understand their financing options and move confidently toward closing. Whether you're buying in Northern Virginia, Richmond, Virginia Beach, or the Shenandoah Valley, Michael focuses on making sure you know exactly what you qualify for and what your monthly payment will look like before you start shopping.
Michael works as part of CMS Mortgage Solutions, a wholesale broker with access to 50+ lenders. That means he shops your scenario across multiple lenders to find the rate and program that fit your income, credit, and down payment. You get options, not a one-size-fits-all product from a single bank.
When you reach out to Michael, you can expect straightforward answers about what you need to get pre-approved, how much house you can afford, and what documentation to gather. No jargon, no runaround—just clear next steps and a plan to get you to the closing table.
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 ritualDouble espresso, every single day
- Currently readingBiographies of presidents
- Weekend escapeHiking Shenandoah trails
Before you call
Still unsure? Text me a question.
Where are you licensed?
I am licensed in Virginia. You can check my license any time on NMLS Consumer Access (NMLS #314635).
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.