Meet Amare Merz · Loan Officer · CMS Mortgage Solutions

Let’s start with the question on your mind

Call or text(301) 672-2464

Emailamerz@cmsmtgsolutions.com

When you're readyStart your application →

Tell me what you are planning. I will help you identify a useful next step.

Who I am

I help you connect a home goal to a practical plan.

I’m Amare Merz, a loan officer with CMS Mortgage Solutions. My focus is VA loans, USDA loans, and home equity for buyers and homeowners across Central and Northern Virginia. You can talk with me while you are still gathering information.

I start with what you want to do. Are you buying after military service, looking beyond the metro cores, or considering a project in your current home? I explain the options and the questions we need to work through.

You do not need a finished plan to reach out. I can help you organize documents, understand what lenders review, and consider the responsibilities that come with borrowing.

How I help

Four ways I can help you prepare.

VA: the benefit you earned

Veterans and service members earned a benefit worth exploring. I help you understand the VA loan option, the service documentation involved, and the lender review that still applies.

USDA outside the metro coresProperty and income rules apply

USDA offers a no-down-payment option for eligible properties outside the metro cores. Eligibility depends on the property location and household income under USDA rules. I help you check those requirements before you build a plan around it.

Home equity and HELOC

Already own a home? I can help you explore borrowing against its equity. A HELOC is a line of credit secured by your home. I explain how borrowing and repayment work, including the risk to your home if you cannot repay.

Get-ready coaching

I help you make a list of income records, account statements, and other documents your situation may call for. We can also discuss credit questions and what to work on before applying.

My VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency. This is not a commitment to lend. Loan options depend on lender review, including credit, income, and property requirements.

How it works

A place to begin, a plan to follow.

I explain each step so you know what I need and why.

Tell me your goalI ask whether you are buying, using home equity, or preparing for later. Bring your questions and your timeline.

Build your checklistI help you gather the information needed to review options. I explain how to share sensitive documents securely.

Review the next stepI walk through the choices and remaining requirements with you. If you move forward, I explain what to expect as the lender reviews your application.

What would you like to work toward?

Ask me about a VA benefit, a possible USDA purchase, home equity, or getting ready. We can begin with whichever question matters most to you.

Start your application Call or text (301) 672-2464