PREVIEW — sample realtor partner page for review · not yet public · noindex
For Richmond, Henrico & Chesterfield Real Estate Agents

A lending partner who makes you look good.

First-home questions. VA education. A clear next step.

I'm Kristin O'Neil, a loan officer at CMS Mortgage. I help first-time buyers, veterans, and service members in Richmond, Henrico, and Chesterfield understand home loans and prepare for their next step.

NMLS# 266528 Richmond · Henrico · Chesterfield First-time buying · VA · Get-ready coaching · Richmond local 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.

I want each buyer to feel heard and leave our conversation knowing what comes next.

01

What you can count on

How I support buyers and their agents.
Updates you don't chase I share clear updates with the buyer’s permission and make room for your questions.
Clear expectations I explain the steps, flag open questions, and keep you informed as the file moves forward.
Richmond local I keep Richmond, Henrico, and Chesterfield in focus as we discuss home upkeep, moving plans, and the buyer’s timeline.
02

What your buyer gets with me

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

Patience & plain language

I explain first-time buying in plain language and leave time for questions before the home search.

VA: the benefit earned

I help veterans and service members understand the VA benefit they earned and what a lender still needs to review. Educational content; not endorsed by or affiliated with any government agency; not a commitment to lend.

Get-ready coaching

I help buyers make a document list and talk through credit questions at a pace that fits their plans.

Richmond home-search support

I handle the financing questions while you guide the home search in Richmond and the surrounding counties.

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 Richmond · 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.

I’d welcome fifteen minutes to talk about supporting first-time buyers, veterans, and service members in Richmond, Henrico, and Chesterfield.