CMS Mortgage

    Sharn SkeltonLoan Officer at CMS Mortgage

    Sharn Skelton — Loan Officer at CMS Mortgage: Your mortgageally in Virginia

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

    Answer 3 quick questionsText me first

    Free to talk. No credit check to start.

    Licensed loan officer
    NMLS #2184347
    Licensed in
    VA
    Company
    CMS Mortgage Solutions Inc.NMLS #212405

    Verify on NMLS Consumer Access

    licensed state
    VA
    NMLS, tap to verify
    #2184347

    Let's see what fits you.

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

    (678) 522-0248sskelton@cmsmtgsolutions.com

    Three quick questions

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

    1 / 3

    What brings you here today?

    Prefer a human first? Text Sharn

    What happens after I hit send?

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

    Meet Sharn.

    Sharn Skelton is a Loan Officer serving homebuyers across Virginia. Whether you're buying your first home, refinancing, or looking to move up, Sharn focuses on finding the right loan structure for your budget and timeline. She works through every scenario with clarity, translating rate sheets and program options into plain-English guidance you can actually use.

    Sharn works with CMS Mortgage Solutions, a wholesale brokerage that shops 50+ lenders per scenario. That means she's not limited to a single bank's rate card. She compares conventional, FHA, VA, USDA, and specialty programs side by side to find the best fit for your credit, income, and down payment situation.

    When you reach out to Sharn, you'll get a straight answer about what you qualify for, what your monthly payment will look like, and what documents you'll need to move forward. No jargon, no runaround, just a clear path to closing.

    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, year-round
    • Current readHistorical fiction obsessed
    • Weekend resetHiking 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 #2184347).

    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.