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This co-marketing leave-behind complies with RESPA Section 8 — RESPA §8: no fee, kickback, or thing of value is offered or accepted in exchange for referrals; any co-marketing is split at fair market value. Kristen Genovese, Loan Officer · Individual NMLS# 1172850 · CMS Mortgage Solutions, Company NMLS# 212405. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, income and property verification. VA loan eligibility is determined by the U.S. Department of Veterans Affairs; CMS Mortgage Solutions is not affiliated with or endorsed by any government agency. Verify licensing at nmlsconsumeraccess.org.