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CMS Mortgage · Chelsi Zajac · Hampton Roads
90-Day Content Calendar
Weeks 3–12 — ten themed weeks, thirty posts written.
I'm Chelsi Zajac. This is my calendar for repeat and move-up buyers in Virginia Beach and across Hampton Roads. I explain using VA again, restoring entitlement, comparing FHA, and planning a sale and purchase around a PCS move.
10 weeks30 posts writtenQuestions for the next homeVA-first
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
Questions for the next home
My focus: the questions between your current home and your next move.
Why these topics
I start with what returning buyers need to sort out: a prior VA loan, the current house, and a move that may have a firm report date. These questions guide my Virginia Beach and Hampton Roads content:
using VA again in Virginia Beachrestoring VA entitlement after a saleselling before a PCS purchasekeeping a home with a VA loanVirginia Beach move-up planningFHA for returning buyersVA and FHA for the next homeremaining VA entitlementplanning sale proceedsVA occupancy during a PCSremote closing questionsHampton Roads military moves
3WEEK
Using VA Again
I start with your last home and the move you want to make.
VA Benefits & Eligibility
Repeat VA BuyersWeek 3 · Post 1
"Your VA loan isn't one and done."
Film this~25 sec
I can help you explore using VA again for your next home in Virginia Beach. First, I'll review what happened with your earlier VA loan and what benefit is available now. A past purchase is part of the conversation, not a reason to skip it.
On-screen textVA again?Start with your prior loanReview the benefit availablePlan your next home
Caption
Used VA before? Tell me whether you sold that home or still own it. I'll help you sort out where to begin.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
"Your sale date belongs in the loan conversation."
Film this~25 sec
If you're selling before buying in Virginia Beach, I want to know both target dates. Paying off the old VA loan and restoring the benefit can affect the next purchase. I'll help you identify the steps we need to confirm before you build a moving schedule.
On-screen textSelling before buyingTwo dates to reviewPayoff and restorationBuild the plan together
Caption
I want to look at your sale and purchase together. Share your target dates so we can spot the steps between them.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
"More space starts with a fresh look at your VA benefit."
Film this~20 sec
A bigger home can mean a different loan picture. I won't assume your next VA purchase works like the last one. I'll review your income, current debts, and available benefit with you before you set your Virginia Beach home search in motion.
On-screen textReady for more room?New home, fresh reviewCurrent debts matterStart before the search
Caption
Planning a move-up purchase? I'll help you revisit the loan details before you focus on the extra bedroom.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
I help you connect prior loan records with the next purchase.
Get-Ready Coaching
VA RestorationSave-worthyWeek 4 · Post 1 · Save-worthy
"Restoring entitlement is a step worth naming."
Film this~25 sec
Entitlement is the part of your VA benefit that supports the loan. If you sold your home and paid off its VA loan, restoration may be available. I'll help you review the paperwork and request process. We need to confirm the result before relying on it.
On-screen textWhat entitlement meansSale and payoffRequest restorationConfirm the result
Caption
I can walk you through the restoration steps after a sale and payoff. Let's check the records instead of assuming the benefit is ready.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
"Your old closing folder may help with your next home."
Film this~25 sec
For a repeat VA purchase, I'd start with your current mortgage statement and records from any prior sale or payoff. I'll also explain which service and income documents we need. You don't need to guess at a complete list before we speak.
On-screen textKeep prior loan recordsFind sale paperworkReview income documentsUse a secure channel
Caption
I can help turn your old home paperwork into a starting point for this purchase. Keep personal documents out of social messages.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
"The certificate is one piece of the next purchase."
Film this~20 sec
I'll review your Certificate of Eligibility with you to understand your VA benefit and prior use. It doesn't replace the lender's review of income, credit, and the property. If you're buying again in Virginia Beach, I want both parts of that review on your radar.
On-screen textReview your certificateCheck prior VA useIncome and credit still matterProperty review still matters
Caption
I can explain what the Certificate of Eligibility tells us and what still needs review for your next loan.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
I look at your sale, purchase, and report date together.
Get-Ready · FHA
PCS PlanningWeek 5 · Post 1
"PCS orders give us a date to plan around."
Film this~25 sec
When a PCS brings you to Virginia Beach, I want to start with your report date, current housing, and possible sale. Then we can map the loan steps around those pieces. I'll also ask about a backup place to stay if the purchase takes longer.
On-screen textStart with your report dateReview current housingMap the loan stepsKeep a housing backup
Caption
Tell me the dates you know and the ones that could change. I'll help you separate the loan steps from the moving arrangements.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
"Selling and buying on the same day leaves little breathing room."
Film this~25 sec
Before you line up both closings, I want to review whether your purchase depends on money from the sale or VA entitlement restoration. Those details can affect the sequence. I'll coordinate the loan questions with your closing team so you can plan for possible delays.
On-screen textTwo closings, one planCheck sale proceedsReview restoration timingAllow for delays
Caption
Same-day closings need careful planning. I'll help you identify what must happen before the purchase can move forward.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
I don't want your moving schedule to depend on a closing date that could shift. Before a PCS purchase, let's discuss when loan conditions need to be met and who confirms the final timing. Temporary housing and storage may belong in your moving plan.
On-screen textClosing dates can shiftTrack loan conditionsConfirm final timingPlan for a gap
Caption
I'll keep the loan timeline in view while you plan the move. Leave room for a change in closing dates.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
I review what keeping the old home could mean for the next loan.
Conventional · Self-employed
VA and Current HomesWeek 6 · Post 1
"Keeping the old home changes the VA conversation."
Film this~25 sec
If you want to keep your current home and buy in Virginia Beach, I need to review the VA benefit still available and both housing obligations. Using VA again may be possible, but the details matter. I'll help you understand what needs checking before you make an offer.
On-screen textKeeping your current home?Check available entitlementReview both obligationsDiscuss before an offer
Caption
Keeping a home doesn't answer the next-loan question by itself. I'll review the existing loan and your plans with you.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
VA and Current HomesSave-worthyWeek 6 · Post 2 · Save-worthy
"A rental plan needs more than a rent estimate."
Film this~25 sec
If your PCS plan includes renting out the old home, I want to review how that affects the next loan. Expected rent isn't automatically usable income. I'll explain what records the lender may need and how the existing mortgage fits into the review.
On-screen textConsidering a rental?Estimates are a starting pointDocumentation mattersReview the existing mortgage
Caption
Thinking of keeping the old place as a rental? I'll help you understand the loan documentation before you rely on rental income.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
When we discuss using VA again, I'll ask how and when you plan to occupy the new home. VA purchase loans have occupancy requirements. A PCS or deployment can raise questions we need to review, so I want your actual plans before we choose a path.
On-screen textPlan to live thereReview VA occupancy rulesExplain your moveCheck the details early
Caption
Tell me how the new home fits your move. I'll help you review the occupancy requirements for your situation.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
I connect your everyday priorities with the housing budget.
Hampton Roads Home
Virginia BeachWeek 7 · Post 1
"Your next Virginia Beach home should fit an ordinary Tuesday."
Film this~25 sec
Before you shop, I'd write down what needs to work better than it does now. Maybe it's space to work or a different commute. I'll help you connect those priorities to a housing budget so the wish list and the loan conversation stay together.
On-screen textWhat needs to work better?Write down your prioritiesThink about the commuteConnect the budget
Caption
Tell me what you want your next home to make easier. I'll start the budget conversation there.
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
I want your Virginia Beach budget to include more than the purchase price. Insurance, taxes, upkeep, and the move itself belong in the conversation. If you may own both homes for a while, we'll discuss that overlap before you decide what feels manageable.
On-screen textLook beyond the priceInclude insurance and taxesPlan for upkeepConsider housing overlap
Caption
I'll help you look beyond the listing price. A move-up plan should leave room for the costs of moving and owning.
Compliance: educational only — Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
"A short stay deserves an honest housing discussion."
Film this~20 sec
If this PCS could mean a brief stay in Hampton Roads, I want to talk about that before a purchase. Moving costs, selling costs, and your plans after this assignment all matter. I'll help you compare the borrowing side while you weigh buying against renting.
On-screen textHow long is the assignment?Include future moving costsConsider selling later
Caption
I don't need you to decide on buying before we talk. Tell me how long you expect this assignment to last.
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
I compare FHA and VA around your current circumstances.
Military & PCS Life
VA and FHAWeek 8 · Post 1
"FHA belongs in a returning buyer's conversation too."
Film this~25 sec
I can review FHA as an option even if you've owned a home before. Prior ownership alone doesn't settle the question. For a Virginia Beach move-up purchase, I'll look at the loan requirements, your current home, and how FHA compares with the other options available to you.
On-screen textFHA and returning buyersPrior ownership isn't the whole storyReview current housingCompare available options
Caption
You can ask me about FHA as a returning buyer. I'll help you look at the details for this move.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
"I'll compare VA and FHA around the move you're making."
Film this~25 sec
If you've used VA before, I want to review your remaining benefit before comparing loan options. Then we can look at VA and FHA requirements, mortgage insurance, and funds needed for the purchase. I'll explain the differences without assuming your old loan is the right fit again.
I'll help you compare VA and FHA using your current plans and finances. Your last purchase doesn't make the decision for this one.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
If you're considering FHA while you still own a home, I want to understand both properties and your existing loan. FHA has rules around occupancy and holding multiple FHA loans. I'll review those details with you before we treat FHA as the next step.
On-screen textOwn a home already?Review the existing loanCheck FHA occupancy rulesDiscuss both properties
Caption
I can help you check how retaining your current home affects an FHA purchase. Bring that question into the conversation early.
Compliance: VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
I separate the loan questions from assumptions about sale proceeds.
VA Benefits & Eligibility
Purchase PlanningWeek 9 · Post 1
"Your last VA funding fee doesn't predict the next one."
Film this~25 sec
When I review a repeat VA purchase, I'll check how prior use and any exemption apply to the funding fee. I'll explain what needs verification for this loan. Your old closing paperwork is useful context, but I won't use it as the final answer.
On-screen textReview prior VA useCheck exemption statusUse current loan detailsAsk before planning funds
Caption
I'll review the funding fee question for this purchase, including whether an exemption applies. Let's check rather than carry forward an old assumption.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
"A down payment and cash for closing are different questions."
Film this~25 sec
For your next VA purchase, I'll review whether a down payment is needed based on your available benefit and the transaction. I'll also explain other closing costs. Planning those separately helps you see what may need to come from savings or the sale of your current home.
On-screen textCheck down-payment needsReview other closing costsLook at available savingsPlan for sale proceeds
Caption
I want you to understand both the down-payment question and the other funds needed to close. I'll walk through each with you.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
If money from your current home sale will support the next purchase, I'll ask when those funds will be available. The sale price isn't the amount you keep after payoff and selling costs. We'll review the expected proceeds and what the lender needs to document them.
On-screen textSale price isn't net proceedsAccount for the mortgage payoffInclude selling costsCheck when funds arrive
Caption
I'll help you connect your sale proceeds to the purchase timeline. Ask your selling team for an estimate that includes payoff and selling costs.
Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
I help you prepare for this purchase with current information.
Get-Ready · Process
Move-Up PreparationWeek 10 · Post 1
"Buying again comes with a new document review."
Film this~25 sec
Even if you've bought before, I'll need current information for the new loan. A job change, new debt, or different income can affect what we review. Tell me what has changed since your last purchase so I can explain the documents needed for this one.
On-screen textNew purchase, new reviewUpdate income recordsDiscuss new debtsExplain recent changes
Caption
I'll build the document list around your situation today. Let me know what changed after your last closing.
Compliance: educational only — Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
"Furniture shopping can wait for a loan check-in."
Film this~25 sec
Before you open credit for the next home, I want you to check with me. New borrowing can change the loan review while you're preparing to move. I'll explain what we need to consider so a furniture purchase doesn't catch us late in the process.
On-screen textCheck before new borrowingKeep the loan review currentDiscuss big purchasesPlan furnishings separately
Caption
Planning a big purchase during the move? Ask me how new borrowing could affect the loan before you take it on.
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
"The final week needs a contact list, not guesswork."
Film this~20 sec
As closing gets closer, I'll help you track the remaining loan items and who needs to answer each question. Your agent and closing team can confirm possession and key arrangements. I want you to know who to call if a date or document changes.
On-screen textTrack remaining loan itemsKnow each contactConfirm possession separatelyCheck changes with the team
Caption
I'll help you keep the loan tasks clear while your closing team confirms the handoff. Save the right contact details before moving week.
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
I keep the loan steps in view as your moving plans develop.
Military & Community
Military MovesWeek 11 · Post 1
"Buying from a distance starts with who can sign."
Film this~20 sec
If your PCS keeps you away during the purchase, I want to discuss signing arrangements early. A power of attorney may be an option, but the lender and closing team need to review its use. I'll help you identify those questions before documents are prepared.
On-screen textDiscuss signing earlyExplain who will be awayCheck document requirementsCoordinate with the closing team
Caption
I'll help you bring remote-signing questions to the right people early. Availability depends on the transaction and the closing requirements.
Compliance: educational only — Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
If your orders or arrival plans change while you're buying, let me know as soon as you can. I'll review the effect on the loan schedule and any housing plans we've discussed. Then we can work with the other people involved to see what needs adjusting.
On-screen textOrders can changeShare the new datesReview the loan scheduleUpdate the moving plan
Caption
I want to hear about timeline changes while there's still room to review them. Keep me in the loop as the move develops.
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
"You don't have to carry every moving detail in your head."
Film this~20 sec
For a move with a partner or spouse, I'd start with a shared list of dates, documents, and open questions. I'll explain which loan items need attention next. That gives you a place to track the home purchase while you handle the rest of the move.
On-screen textUse one shared listTrack dates and questionsIdentify the next loan taskProtect personal documents
Caption
I can help you turn loan questions into a clear next-step list. Keep sensitive documents in the secure channel we discuss.
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
I can help you begin before every moving detail is settled.
Get-Ready · Call to action
Your Next HomeWeek 12 · Post 1
"Still deciding whether to sell? Bring that question first."
Film this~20 sec
You don't need a finished moving plan to speak with me. Tell me what you own now and what you want from the next Virginia Beach home. I'll help you identify the financing questions for selling first or keeping the current property.
On-screen textStart with the open questionDescribe your current homeTalk through the next moveIdentify financing questions
Caption
I can start with the decision you're still working through. Tell me what makes selling or keeping the current home hard to choose.
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.
"Ask me what carries over from your last VA purchase."
Film this~20 sec
Your experience buying before is useful, but some loan details need a fresh review. Ask me about entitlement, a prior payoff, or planning a sale around PCS orders. I'll explain the next question to check. Keep account numbers and personal documents out of comments.
On-screen textWhat needs a fresh review?Ask about prior VA useDiscuss the sale timelineKeep private details secure
Caption
What part of using VA again feels unclear? Ask me a general question here, and we'll move personal details to a secure channel.
Compliance: VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements depend on the buyer and property.
Message me with your target move month and whether you plan to sell your current home. I'll help you outline the loan questions and documents to review. If you're ready to begin an application, use the application link in my bio. We'll take the next step from there.
On-screen textShare your target monthExplain your current housingList the loan questionsStart when you're ready
Caption
Tell me your target month and what's happening with the current house. I'll help you organize the first loan conversation. NMLS# 2318458
Compliance: Educational only; not a commitment to lend. Loan requirements and closing timelines depend on the individual transaction.