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CMS Mortgage · Andrew Cannon · Hampton Roads
90-Day Content Calendar
Weeks 3–12 — ten themed weeks, thirty posts written.
Picks up where your First 30 Days kit left off. Every week has a named theme and three fully-written posts — hook, a short "film this" script, on-screen text, a caption in your voice, and hashtags. Built around what Hampton Roads veterans and military families actually type into Google.
Where this fits your week Content is your attraction layer — it runs during your 2 weekly film bursts and fills the pipeline that feeds your Daily 23 lead follow-ups, plus gives you something real to say on Buyers day (Wednesday).
01
Search-matched topics
The 12-week rhythm, built on what Hampton Roads families actually type into Google.
Why these topics
Every post below answers a real question Hampton Roads veterans, active-duty service members, and military families search for. Match your content to their search and you show up when they're actually looking. These are the threads woven through Weeks 3–12:
VA loan Hampton RoadsVA loan no down paymenthow to get a Certificate of EligibilityVA funding fee explainedbuying a house during PCSFHA loan Virginia Beachfirst time home buyer Hampton Roadshow much to buy a house in Hampton Roadsrent vs buy near Norfolk Naval StationVA loan pre-approval Virginia Beachclosing costs Virginiabest neighborhoods near Oceana for families
3WEEK
The Benefit You Earned
VA loans, explained plainly for veterans and active-duty buyers.
VA Benefits & Eligibility
VA BenefitsWeek 3 · Post 1
"The benefit you earned that most people never use."
Film this~25 sec
If you've served, you may have a home-loan benefit a lot of folks never use — sometimes with no down payment and no monthly mortgage insurance.
Here in Hampton Roads, I sit with veterans and active-duty buyers every week and walk through what they earned. You served. Let's make sure that benefit works for you.
On-screen textThe VA home loanYou earned thisOften $0 downNo monthly MI
Caption
If you served, you may have earned a home-loan benefit most people never use. I'll walk you through it in plain language — no jargon, no pressure.
Compliance: educational only — VA loan benefits and eligibility vary by service history; not a commitment to lend. This content is not endorsed by or affiliated with the VA or any government agency.
"What's a Certificate of Eligibility — and how do you get one?"
Film this~25 sec
Before a VA loan, there's one piece of paper that proves you qualify: the Certificate of Eligibility, or COE.
Sounds official. It's really just confirmation of your entitlement. Most of the time I can help you request it — you don't have to figure it out alone. Active-duty, veteran, Guard, Reserve, surviving spouse — let's see what fits.
On-screen textCertificate of Eligibility"COE"Proves your entitlementI can help you request it
Caption
The COE trips a lot of buyers up — it shouldn't. It just confirms your VA entitlement, and I can usually help you request it. Got questions? DM me.
Compliance: general education on the COE — eligibility depends on service history and is determined by the VA. Not a commitment to lend. Not affiliated with the VA or any government agency.
"The VA funding fee, explained without the scary words."
Film this~20 sec
A VA loan has a one-time funding fee — that's what keeps the program running for the next generation of service members.
It's usually rolled into the loan, and some veterans are exempt from it entirely. It's not a monthly cost, and it's not a surprise. I'll show you exactly how it works for your situation.
On-screen textVA funding feeOne-time, not monthlyOften rolled into the loanSome are exempt
Caption
The VA funding fee sounds scarier than it is. One-time, often rolled in, and some veterans are exempt. Want the plain version for your situation? Let's talk.
Compliance: educational only — funding fee amounts and exemptions vary by service and are set by the VA; no specific amounts or percentages implied. Not a commitment to lend. Not affiliated with the VA.
Get-Ready CoachingSave-worthyWeek 4 · Post 1 · Save-worthy
"The exact documents to start gathering."
Film this~25 sec
Want to feel ready? Start a folder with the basics: two years of tax returns or W-2s, your two most recent pay stubs, two months of bank statements, and your ID. If you've served, add your DD-214 or, for active-duty, your most recent LES.
That's the starter kit. When we talk, you'll already be ahead of most buyers.
On-screen textDocuments to gather2 yrs taxes / W-2sPay stubs · LESDD-214 if you served
Caption
Save this checklist for when you're ready. Having your folder ready makes the whole process calmer — and faster. Veterans: keep that DD-214 handy.
Compliance: a general starter list, not the full list of approval requirements — every file is reviewed individually. Not a commitment to lend.
Two simple habits tend to help most: pay every bill on time, and try not to max out your credit cards.
I'm not going to promise a magic number — everyone's situation is different. But those two habits are a strong place to start, and we can look at the rest together.
On-screen textCredit, simplifiedPay on timeDon't max the cardsWe review the rest
Caption
No magic tricks — just habits. On-time payments and lower balances help. Wherever your credit is today, let's look at it together, no judgment.
Compliance: educational only, not credit-repair or financial advice; credit outcomes vary by individual. Not a commitment to lend or a promise of approval.
Beyond the down payment, there are closing costs — things like the appraisal, title, and fees.
The good news? Sometimes they can be planned for or partly covered, depending on your situation. Don't let the surprise scare you off. Let's map it before you shop.
On-screen textClosing costs explainedAppraisal · title · feesPlan for it earlyNo surprises
Caption
Closing costs catch a lot of first-time buyers off guard. Knowing about them early means no scary surprises later. Want the plain-language version? DM me.
Compliance: educational only — costs vary by transaction; no specific amounts or rates implied. Not a commitment to lend.
The loan a lot of Hampton Roads families actually use.
Get-Ready · FHA
Get-Ready CoachingWeek 5 · Post 1
"What an FHA loan actually is."
Film this~25 sec
FHA gets thrown around a lot. Here's the simple version: it's a government-backed loan option that can be more flexible for first-time and returning buyers.
It has its own rules and it's not for everyone — but for a lot of Hampton Roads families, it's been a real path to a first home.
On-screen textFHA = government-backed optionOften more flexibleHas its own rulesA real path for many
Caption
FHA isn't scary — it's a tool. For a lot of first-time buyers here, it's been the way in. Want the plain version for your situation? Let's talk.
Compliance: educational only; FHA has eligibility requirements and isn't right for everyone. Not a commitment to lend or a guarantee of qualification.
If you've served, people ask me: should I use my VA benefit or go FHA? For most eligible veterans, the VA loan is hard to beat — but not always, and it depends on you.
Both are tools. The right one fits your situation, not a headline. That's the whole point of a real conversation instead of a Google rabbit hole.
On-screen textVA vs FHAIt depends on YOUBoth are toolsLet's find your fit
Caption
There's no "better" loan — only the one that fits you. If you've earned a VA benefit, let's weigh it honestly against the alternatives. DM me.
Compliance: educational only — loan suitability depends on individual circumstances and eligibility; not a commitment to lend or financial advice. Not affiliated with the VA.
"FHA is only for people with bad credit." Not true. FHA is a flexible option a lot of solid buyers use on purpose.
Don't let a myth talk you out of a path that might fit you perfectly. Ask me — I'll give it to you straight.
On-screen textMYTH: FHA = bad credit onlyNot trueUsed by all kinds of buyersAsk, don't assume
Caption
FHA isn't a "last resort" — it's a smart option for a lot of buyers. Don't let myths decide your future.
Compliance: educational only; eligibility varies. Not a commitment to lend, and not a statement about anyone's qualification.
For buyers without a VA benefit — and the folks who built their own.
Conventional · Self-employed
ConventionalWeek 6 · Post 1
"No VA benefit? A conventional loan might be your lane."
Film this~25 sec
Not everyone has a VA benefit — military spouses without their own service, civilians, plenty of Hampton Roads families. That's where a conventional loan often fits.
It's the most common loan in the country for a reason. It's flexible, and you don't always need a huge down payment. Let's look at whether it's the right tool for you.
On-screen textConventional loanFor buyers without VAFlexible & commonNot always 20% down
Caption
If you don't have a VA benefit, you're not out of options — conventional loans are the most common path for a reason. Let's see if it fits you.
Compliance: general info; loan suitability depends on individual circumstances. Not a commitment to lend or a promise of approval.
Get-Ready CoachingSave-worthyWeek 6 · Post 2 · Save-worthy
"What self-employed buyers should start gathering."
Film this~25 sec
If you're self-employed and thinking about buying, start pulling these together: your last two years of business and personal tax returns, a year-to-date profit and loss, and your recent bank statements.
Having these ready makes our first conversation so much smoother — and yes, this works alongside a VA loan too if you've served.
On-screen textSelf-employed checklist2 yrs business + personal taxesYTD profit & lossRecent bank statements
Caption
Save this if you're self-employed and dreaming about a home. Getting these together early puts you ahead.
Compliance: a general starter list, not full approval requirements; documentation varies by file. Not a commitment to lend.
The contractor. The hair stylist. The veteran who started a business after service. If you run your own shop, you've probably been told your income is "complicated."
I don't see it that way. It just takes more documentation, not more judgment. You built something real — let's get you a home for it.
On-screen textSelf-employed buyersNot "too complicated"More docs, not more judgmentYou built it
Caption
To every business owner told they're a "hard file": you're not. Your income just tells a fuller story. Let's organize it and get you home.
Compliance: general info; self-employed income is reviewed case by case. Not a commitment to lend or a promise of approval.
Local roots that make you the 757 loan officer for buyers.
Hampton Roads Home
Hampton Roads HomeWeek 7 · Post 1
"Where Hampton Roads families are actually buying."
Film this~25 sec
From Virginia Beach to Norfolk to Chesapeake and up to Newport News — the 757 has a neighborhood for every kind of family, and plenty close to the bases.
Tell me what matters to you: schools, a short drive to base, a yard, a starter price point. I help families find the area that fits their life, not just their budget.
On-screen textHampton Roads neighborhoodsA spot for every familySchools · base commute · yardFind your fit
Caption
Every Hampton Roads neighborhood has its own personality — Virginia Beach, Norfolk, Chesapeake, Newport News. Which part of the 757 are you dreaming about? Tell me below and I'll share what families love about it.
Renting isn't "throwing money away" — it's flexibility, and with a short tour it's sometimes the right call.
But if you're planning to be in Hampton Roads a while, owning can mean building something instead of paying off someone else's place. For a lot of service members, BAH can go toward a home you keep. There's no one answer — let's look at yours.
On-screen textRent vs buy near baseRenting isn't "wasting"Here a while? Owning may fitLet's look at YOUR numbers
Caption
Rent vs buy isn't one-size-fits-all — especially with a PCS clock running. If you're planting roots in the 757, it's worth a real conversation. No pressure — just clarity.
Compliance: educational only — no rates, payments, or savings figures implied; outcomes depend on your situation. Not a commitment to lend.
The water. The people. The way you can't go a day without thanking someone who served. I love this place, and I love watching families plant roots here.
Helping someone buy in the place I call home — a town built on service — is the best part of my job.
On-screen textHampton Roads, my homeA town built on serviceRoots run deep
Caption
Hampton Roads isn't just where I work — it's home. Helping families plant roots in the 757 never gets old. What do you love most about this area?
Military and PCS life — buying and selling on orders.
Military & PCS Life
Military & PCSWeek 8 · Post 1
"Got orders to Hampton Roads? Here's how to buy without the scramble."
Film this~25 sec
A PCS to the 757 moves fast — orders, a house hunt, a report-by date, all at once. Buying doesn't have to add to the chaos.
The trick is starting early: get pre-approved before you ever drive in, so you can move the week you land. I've walked a lot of military families through this exact crunch. Let's get ahead of yours.
On-screen textPCS to Hampton RoadsStart before you arrivePre-approved & readyMove the week you land
Caption
PCS-ing into Hampton Roads? Start the loan conversation before the truck even loads. Getting pre-approved early is how you beat the report-by scramble. DM me your timeline.
Compliance: educational only — timelines vary; pre-approval is not a loan commitment or guarantee of approval. Not affiliated with the VA or DoD.
"Buying while you're still deployed — yes, it can work."
Film this~25 sec
Deployed and want to come home to a house instead of a hunt? It happens more than you'd think.
A power of attorney lets a spouse or trusted person handle steps while you're away, and a lot of the process can be done remotely. There are pieces to plan for — that's my job. Let's set it up so home is waiting for you.
On-screen textBuying while deployedPower of attorneySpouse can handle stepsCome home to a home
Caption
Deployed and dreaming of coming home to a house, not a search? With a power of attorney and some planning, it's doable. Let's talk through your situation.
Compliance: general info — remote-closing and POA requirements vary by lender, state, and transaction; not a commitment to lend. Not affiliated with the VA or DoD.
"To the military spouses holding it all together: I see you."
Film this~20 sec
The moves. The deployments. The new schools every couple of years. Military spouses carry so much of the home front, often while running the house solo.
You deserve a loan officer who gets that rhythm and works around it — not one who adds to your plate. I'm here for you.
On-screen textFor the military spousesYou hold it togetherI work around your rhythmI've got you
Caption
To the military spouses running the home front through every move and deployment — what you do matters. Let's make the home part one less thing to carry.
The VA benefit that lets a lot of veterans skip the down payment.
VA Benefits & Eligibility
VA BenefitsWeek 9 · Post 1
"You may not need a down payment at all."
Film this~25 sec
The 20%-down myth keeps so many families renting — and a lot of veterans don't realize their benefit can mean no down payment at all.
For eligible buyers, the VA loan often allows $0 down. Every situation is different, but please don't count yourself out before we even talk. You may be closer than you think.
On-screen textMYTH: you need 20% downVA can mean $0 downFor eligible veteransDon't count yourself out
Caption
If "I don't have 20% down" has kept you renting — and you've served — this is your sign to ask. The VA benefit may mean $0 down for you.
Compliance: eligibility varies by buyer and service history; $0-down is not guaranteed. Not a commitment to lend or a promise of approval. Not affiliated with the VA.
A lot of veterans think the VA loan is a one-time deal. It's not. Your entitlement can often be restored and reused — which matters a lot when you PCS and buy again.
There are rules, and how much entitlement you have left depends on your situation. But "I already used it once" doesn't mean you're done. Let's check where you stand.
On-screen textReuse your VA benefitNot a one-time dealEntitlement can be restoredGreat for PCS buyers
Caption
Used your VA loan before? You may be able to use it again — especially after a PCS. Want me to check your entitlement? DM me "VA."
Compliance: entitlement and reuse rules vary by buyer and are determined by the VA; not guaranteed. General education, not a commitment to lend. Not affiliated with the VA.
It's the number-one question I get, and the honest answer is: it depends. On the price, the loan, and your situation — and if you've earned a VA benefit, the math can look very different.
That's not a dodge — it's why a five-minute conversation beats guessing from a Google search. Let's get you a real answer for your situation.
On-screen text"How much do I need?"Honest answer: it dependsVA changes the mathGet YOUR number
Caption
Stop guessing what you "need" from random websites. Your number depends on your situation — and your VA benefit if you have one. Let's find it together. DM me.
Compliance: no specific amounts, rates, or payments implied — figures depend on each buyer. Not a commitment to lend.
Pre-approval sounds official and scary. Really, it's just me reviewing your situation up front so you know what you're working with before you fall in love with a house.
It makes your offer stronger and your search calmer. It's a starting point, not a commitment.
On-screen textWhat pre-approval meansKnow before you shopStronger offersA starting point
Caption
Getting pre-approved early = shopping with confidence and making stronger offers. Want to understand the first step? Let's talk.
Compliance: a pre-approval is not a loan commitment or a guarantee of approval — it's subject to full review, credit, income, and property verification.
"Underwriting, explained without the scary words."
Film this~25 sec
Underwriting just means someone reviews everything to make sure the loan makes sense — for you and the lender.
Yes, they'll ask for documents. No, it's not personal. I prep you for it so there are way fewer surprises. We go through it together.
On-screen textWhat is underwriting?A careful reviewDocs ≠ personalI prep you for it
Caption
Underwriting feels mysterious until someone explains it. That's my job — to prep you so the "can you send us..." emails don't stress you out.
Closing day: you sign some papers, you get the keys, and then there's that moment — standing in a home that's finally yours.
I've watched families and veterans cry happy tears right there. That moment is why I do this. Let's get you to yours.
On-screen textClosing daySign · keys · homeHappy tears, every timeLet's get you here
Caption
There's no feeling like handing a family their keys. That moment is the whole reason I do this work. Ready to start your story?
Proof and heart — relationship-first, never pushy.
Military & Community
Military & PCSWeek 11 · Post 1
"My favorite three seconds of this whole job."
Film this~20 sec
There's a moment when I hand over the keys and the family just goes quiet. For a service member who's moved a dozen times, it finally feels real — a place that's theirs.
Those three seconds? That's the whole job for me. Not the paperwork — that.
On-screen textThe keys momentWhen it gets realA place that's theirsWhy I do this
Caption
This work is so much more than loans. It's that quiet moment when a family — often one that's moved a dozen times — realizes the home is really theirs. (Share your keys-day photos — with permission, I love to celebrate them.)
Compliance: only share client stories or photos with written permission; no testimonials implying guaranteed results.
In a town like Hampton Roads, I watched people who'd served their country get treated like just another file when they tried to buy a home. That never sat right with me.
So I do this work to be the person I wish they'd had — someone who explains the VA benefit in plain language, respects what they earned, and actually has their back.
On-screen textWhy I do thisServed folks treated like a fileBe the guide they deservedPlain language, real care
Caption
This isn't just a job to me. It's personal. If you've served — or your family is doing this for the first time — I get it, and I've got you.
If we've worked together, you already know — I treat my clients like family, long after closing day.
So if you bought with me and you know someone nervous to start — a buddy from your unit, a neighbor on base, a friend — send them my way. I'll take care of them the same way.
On-screen textOnce family, always familyI'm still here after closingKnow someone nervous?Send them my way
Caption
To my past families — thank you, from the bottom of my heart. Know someone, maybe a buddy from your unit, scared to start the home conversation? I'd be honored to help them too.
"You've been watching for weeks. Let's actually talk."
Film this~20 sec
If you've been following along quietly — maybe a veteran thinking "maybe one day" — this is the nudge.
One day starts with one conversation. No pressure, no commitment. Just tell me where you are and I'll tell you the honest next step.
On-screen text"Maybe one day"One day = one conversationNo pressureTell me where you are
Caption
You don't have to be ready — just curious. Send me a message and we'll figure out your next step together. I'm here to help.
Drop your home-buying questions below — seriously, anything. VA loans, credit, where to even start.
No question is too basic. I'll answer as many as I can, in plain language. That's what I'm here for.
On-screen textAsk Me AnythingNo question too basicVA · credit · first stepsDrop it below
Caption
It's AMA time What's your biggest question about buying a home — or using your VA benefit? Ask below, no judgment. I read every comment.
"Here's exactly how to start — it's easier than you think."
Film this~25 sec
Ready to take the first real step? It's simple. Send me a message, or start your application at the link in my bio.
There's no commitment in starting the conversation — just clarity about where you stand, and whether your VA benefit fits. Let's make home feel possible.
On-screen textHow to startDM me or use the bio linkNo commitment to talkLet's make home possible
Caption
The first step is the easiest one: just reach out. DM me or tap the application link in my bio whenever you're ready. I'm here to help. NMLS# 2095553