PREVIEW — sample realtor partner page for review · not yet public · noindex
For Central Virginia Real Estate Agents

A lending partner who makes you look good.

Clean files. Clear communication. On-time closings.

I'm Kristin O'Neil — an experienced loan officer and a leader at CMS Mortgage. When you trust me with your buyer, I treat them with care and your reputation like it's my own.

NMLS# 266528 Central Virginia & Central Virginia Conventional · First-time · FHA · USDA RESPA §8 compliant
The reality

You spent months earning your client's trust. The fastest way to lose it? A loan that goes sideways — surprise conditions, radio silence, a closing date that slips.

The lender you recommend is a reflection of you. When the loan is smooth, your buyer remembers you made it easy. When it's a mess, they remember that too — and so does everyone they talk to.

So let's make sure every buyer you send me becomes your best referral source.

01

What you can count on

Promises, not buzzwords. Hold me to them.
Updates you don't chase You hear from me at every milestone — not just when there's a problem.
Files that close on time Honest expectations up front, then I protect the date like it's mine.
Local market fluency I know the DMV — condos, townhomes, and commute math from Henrico to Midlothian to Chesterfield.
02

What your buyer gets with me

Cared-for buyers make calm deals — and loyal clients for you.

Patience & plain language

First-time and nervous buyers get the process explained, not rushed. A calm buyer keeps your transaction calm.

A broker's options

More products and more paths to "yes" — conventional, first-time, FHA low-down, and USDA programs. Fewer dead ends for your client.

Get-ready coaching

Buyers who aren't quite there yet get a real plan — credit, documents, and pre-approval — so they come back to you ready to write.

Start-to-finish ownership

Your client works with me the whole way — not a 1-800 call center. One name, one point of contact, every step.

03

How we partner — the right way

Protecting both our licenses, by the book.
RESPA §8 · the right way

I build agent partnerships through honest service and clear communication. If we ever do shared marketing or events, costs are split at fair market value, pro-rata, and reviewed for compliance first. I never pay for — or exchange anything of value for — referrals. That's not just ethics; it's federal law (RESPA Section 8), and it keeps both of us safe.

04

Take it with you

A quick one-pager, plus the deeper partnership guide.
Your Lending Partner in Central Virginia · 1-pager The quick version — what you get, what your buyer gets, and the RESPA-clean way we work together.
Partner with Kristin · Agent Guide RESPA §8 The deeper 2-page guide — what your buyers get, plus the full RESPA-clean co-marketing menu and how to start.

Let's grab a coffee.

Fifteen minutes on how I can make your next closing easier — and your buyers happier across Central Virginia.