CMS Mortgage

    Phillip FoustLoan Officer at CMS Mortgage

    Phillip Foust — Loan Officer at CMS Mortgage: Your mortgage ally,from offer to closing.

    I help buyers and homeowners in 5 states pick the right loan and close without surprises.

    Answer 3 quick questionsText me first

    Free to talk. No credit check to start.

    Phillip Foust, Loan Officer
    Phillip Foust, NMLS #1841805 · verify
    CMS Mortgage Solutions Inc. NMLS #212405
    licensed states
    5
    NMLS, tap to verify
    #1841805

    Let's see what fits you.

    Prefer to skip the form? Call, text or email me directly.

    (651) 283-7991PFoust@cmsmtgsolutions.com

    Three quick questions

    Your answers go straight to Phillip, not a call queue. About two minutes.

    1 / 3

    What brings you here today?

    Prefer a human first? Text Phillip

    What happens after I hit send?

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

    Meet Phillip.

    Phillip Foust helps borrowers navigate the mortgage process with clarity and calm. With two years of experience originating loans across five states, he works with first-time buyers, growing families, and anyone who wants a lender that answers questions in plain English. Phillip takes the time to explain what matters: how much home you can afford, what your monthly payment will be, and which loan type saves you the most money.

    Phillip is licensed in DC, Maryland, Virginia, North Carolina, and Texas, giving him a wide lens on regional programs and lending options. He shops CMS Mortgage's 50+ lender network to find a competitive rate and the right structure for each scenario, whether you're putting 3% down on a townhome in Silver Spring or buying a single-family in Raleigh with a conventional loan.

    Since joining CMS Mortgage, Phillip has built his practice around responsive communication and straightforward advice. When you reach out, you'll get a clear breakdown of your options, a realistic timeline, and someone who stays in touch from pre-approval to your final walkthrough.

    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

    • Morning ritualCold brew, no matter the season
    • ReadingSci-fi novels and economic history
    • WeekendsHiking the Blue Ridge trails

    Before you call

    Still unsure? Text me a question.

    Where are you licensed?

    I am licensed in District of Columbia, Maryland, North Carolina, Texas and Virginia. You can check my license any time on NMLS Consumer Access (NMLS #1841805).

    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.