Meet Kristin O'Neil · Loan Officer · CMS Mortgage Solutions

Reach me — pick whatever's easiest

Call or text(804) 704-3339

Emailkoneil@cmsmtgsolutions.com

When you're readyStart your application →

No pressure, no rate talk — just a straight conversation about where you are.

Who I am

A Central Virginia loan officer who stays with you start to finish.

I'm Kristin, an experienced loan officer at CMS Mortgage Solutions here in Central Virginia. I've spent years helping buyers across Henrico, Chesterfield, Midlothian and the broader Central Virginia find their way home. For a lot of the people I work with, this is their first time buying — or their first time buying in a market this fast. That can feel intimidating. My job is to make it feel possible.

We go one step at a time, in plain language. I'll tell you the truth about where you stand and what to prepare next — never rushing you, never making it sound easier or harder than it is.

I work with first-time buyers, move-up buyers, condo and townhome buyers, and busy professionals — including the folks who feel like their situation is too complicated to ask about. When you work with me, you work with me, from the first conversation through closing. I treat your file like it's my own, because that's how this should feel.

How I help

Plain-language guidance for the buyers I serve most.

First-time & conventional buyers

Never done this before, or coming back to buy again? We start at the very beginning, answer the questions you're nervous to ask, and map out a clear first step toward a conventional loan.

FHA & low-down pathsProgram terms vary

FHA and other low-down-payment programs can open the door sooner than many buyers expect. I'll walk you through how each works and what to prepare, so the rules feel manageable instead of overwhelming.

Get-ready coaching

Not quite ready yet? That's fine — that's the best time to talk. We'll look at credit, documents, and pre-approval together so you know exactly what to line up before you start shopping.

Condos, townhomes & the DMV

Central Virginia is its own market — condos, townhomes, HOAs, commute trade-offs. I'll help you understand how financing works for the home and neighborhood you're actually looking at.

Everything here is educational and depends on your situation. This is not a commitment to lend, and no rates, payments, or approvals are promised — every loan is subject to credit review, income, and property verification.

How it works

Three simple steps.

No jargon, no pressure. Here's exactly what working together looks like.

Let's talkA no-pressure first conversation. Tell me where you are, and I'll tell you the honest next step.

Let's get you preparedWe review your options together and talk through what documents may be needed — so nothing along the way is a surprise.

From offer to keysYou work with me start to finish — through underwriting to closing day. I stay with you the whole way.

Ready when you are.

Whether you're months away or just have a question, let's start the conversation. Let's make home feel possible.

Start your application Call or text (804) 704-3339