Meet Kimberly Davalos-Perez · Loan Officer · CMS Mortgage Solutions

Reach me — pick whatever's easiest

Call or text(623) 241-0427

Emailkim@ctc-mtg.com

When you're readyStart your application →

I’ll listen to your plans and help you choose a place to start.

Who I am

I start with your questions and your timeline.

I'm Kimberly Davalos-Perez, a loan officer with CMS Mortgage Solutions. I focus on FHA and first-time buying in Phoenix and the Valley. I can help you sort out what to ask, what to gather, and what needs a closer look before you shop.

You can tell me what feels confusing. I’ll explain the process in English or Spanish and leave room for questions. If you’re still getting ready, we can start with a document list and a plan for our next conversation.

If you work for yourself, I’ll ask about your business and explain what income records may be needed. If you’re deciding where to buy in the Valley, we can talk about how a home fits your budget and daily routine. Aquí podemos empezar con tus preguntas.

How I help

Here’s what we can work through together.

First-time buyers

I’ll explain how the loan process connects to your home search. We can talk about your savings, your timeline, and the questions you want answered before making an offer.

FHA buyersProgram terms vary

I’ll explain FHA in everyday language, including mortgage insurance and the review of your income, credit, and property. Then we can discuss whether it may fit your plans.

Get-ready coachingProgram terms vary

Before you spend weekends touring homes, I can help you prepare for a pre-approval review. We’ll discuss documents, savings, and questions about your credit so you know what to work on next.

Self-employed

I’ll help you organize the records that show how your business earns income. Tell me about seasonal changes or different income sources so we can discuss what the lender may need.

FHA content is educational and is not endorsed by or affiliated with any government agency; not a commitment to lend. Loan options depend on lender review of credit, income, and the property.

How it works

How I help you move forward.

I’ll explain each stage and what I need from you along the way.

Tell me your plansI’ll ask what you want from a home and when you hope to move. English or Spanish is welcome.

Build your checklistI’ll explain which records to gather and how they help the lender review your application.

Keep track togetherAs your file moves through review, I’ll explain document requests and help you keep track of the next task.

What would you like to understand first?

You don’t need a home picked out to contact me. Tell me what you’re considering, and I’ll help you work through your next question.

Start your application Call or text (623) 241-0427