90-Day Content Calendar · Weeks 3–12 · Vidhi Sharma

Where this fits your week Content is your attraction layer — it runs during your 2 weekly film bursts and fills the pipeline that feeds your Daily 23 lead follow-ups, plus gives you something real to say on Buyers day (Wednesday).

Loan questions to explore

My four pillars: loan comparisons, USDA, the VA benefit, and getting ready.

Why these topics

I start with a buyer's plans, then explain the loan choices. These topics help me introduce the differences, make room for USDA outside the cities, explain VA benefits, and offer practical preparation steps:

compare home loans Hampton Roads VA FHA USDA conventional differences USDA property location rules USDA household income review VA benefit explained FHA in plain terms conventional loan basics buying without 20% down homebuying document checklist planning a homebuying budget understanding closing costs getting ready to buy in Hampton Roads

3WEEK

Which Loan Fits You

I compare the options around your plans, savings, and home search.

Loan Comparison

Which Loan Fits YouWeek 3 · Post 1

"I start with your plans, then compare the loans."

Film this~25 sec

Before I suggest a loan, I want to hear about your savings, your move, and the home you want. I compare VA, FHA, USDA, and conventional options around those details. Each has different rules and costs. My job is to help you understand the choices before you pick a direction.

On-screen textYour plans firstVA · FHA · USDA · conventionalCompare rules and costsChoose with context

Caption

Buying in Hampton Roads? I can help you sort through loan options without starting with a favorite program. Tell me what matters in your move.

Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements apply.

Hashtags

#LoanOptions #HomebuyingPlan #HamptonRoads #CMSMortgage

Which Loan Fits YouWeek 3 · Post 2

"Here is how I sort out those loan names."

Film this~25 sec

I explain the starting points this way: VA connects to eligible military service. FHA is a federally insured option. USDA has location and household income rules. Conventional sits outside those government programs. Those names only begin the conversation. I still need to review your finances and the property before narrowing the choices.

On-screen textVA: service eligibilityFHA: federally insuredUSDA: location and incomeConventional: another option

Caption

I can walk you through what separates these loan types. For USDA, eligibility depends on the property location and household income under USDA rules. Other loan requirements also apply.

Hashtags

#MortgageBasics #LoanComparison #HamptonRoads #CMSMortgage

Which Loan Fits YouWeek 3 · Post 3

"I want you to see more than the down payment."

Film this~20 sec

When I compare loans with you, I look beyond the cash needed up front. We also discuss mortgage insurance, closing costs, and the ongoing housing budget. An option that uses less savings today can have a different cost picture over time. I help you put those pieces beside each other.

On-screen textCash up frontMortgage insuranceClosing costsOngoing housing budget

Caption

Bring me your questions about costs. I will help you compare what you need at closing with what you need to keep a home comfortable afterward.

Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#CompareLoans #HomebuyingBudget #HamptonRoads #CMSMortgage

4WEEK

USDA Outside the Cities

I explain property location and household income checks under USDA rules.

USDA in Plain Terms

USDA in Plain TermsSave-worthyWeek 4 · Post 1 · Save-worthy

"Looking outside the cities? I would check USDA early."

Film this~25 sec

If your home search reaches beyond the cities around Hampton Roads, I want USDA on our list to review. A quieter setting alone does not establish eligibility. Eligibility depends on the property location and household income under USDA rules. I help you check both before you build a buying plan around this option.

On-screen textExplore beyond the citiesCheck the property locationReview household incomeCheck before choosing

Caption

I include USDA when we discuss homes outside the cities. We need to check the property location and household income under USDA rules, along with the other loan requirements.

Hashtags

#USDALoan #LoanOptions #HamptonRoads #CMSMortgage

USDA in Plain TermsWeek 4 · Post 2

"A rural-looking photo cannot answer my USDA questions."

Film this~25 sec

A listing might show open space and a long driveway. That does not tell me whether the property meets USDA location rules. I help you check the actual location instead of guessing from the photos. Eligibility also depends on household income under USDA rules. The scenery is only one part of your home search.

On-screen textPhotos are not an eligibility checkLocation mattersHousehold income mattersAsk before assuming

Caption

Considering USDA? I can help you check the location. Eligibility depends on the property location and household income under USDA rules; the home and borrower must meet other requirements too.

Hashtags

#USDABasics #PropertySearch #HamptonRoads #CMSMortgage

USDA in Plain TermsWeek 4 · Post 3

"For USDA, I ask about the household too."

Film this~20 sec

When we discuss USDA, I ask who will live in the home and about household income. The income review can reach beyond the people applying for the loan. Eligibility depends on the property location and household income under USDA rules. I explain what information is needed so we can review this option carefully.

On-screen textWho will live there?Household income reviewProperty location reviewUnderstand the requirements

Caption

I want the USDA conversation to cover the household as well as the house. Eligibility depends on the property location and household income under USDA rules. A full loan review still applies.

Hashtags

#USDALoan #HouseholdIncome #HomebuyingPlan #CMSMortgage

5WEEK

Get Ready at Your Pace

I help you organize your budget, documents, and questions.

Get-Ready Coaching

Get-Ready CoachingWeek 5 · Post 1

"Before house hunting, I ask what feels comfortable."

Film this~25 sec

The budget I want to hear about includes more than a mortgage. It includes groceries, transportation, savings, and the things you want room for each month. Tell me where housing fits into that picture. I can explain the loan side while you decide what feels manageable for your life.

On-screen textStart with daily lifeLeave room for savingsInclude home upkeepTell me your comfort zone

Caption

I want your home search to start with a budget you can live with. Bring your priorities to our first conversation.

Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#GetMortgageReady #HomebuyingBudget #HamptonRoads #CMSMortgage

Get-Ready CoachingWeek 5 · Post 2

"I can help turn a pile of paperwork into a starting point."

Film this~25 sec

You do not need to guess which documents I will need. Tell me how you earn income, and I can outline a starting list for your situation. That may include income records, bank statements, and identification. I will explain how to share sensitive records securely and what may need a closer look.

On-screen textDescribe your incomeGet a starting listGather your recordsShare documents securely

Caption

I can help you organize the first steps. Please keep account numbers and personal documents out of social messages and comments.

Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#BuyerPreparation #DocumentChecklist #HamptonRoads #CMSMortgage

Get-Ready CoachingWeek 5 · Post 3

"A credit question is a reason to talk with me."

Film this~20 sec

You may have a credit concern and wonder whether to wait before asking about a home. I would rather help you understand what needs review than have you guess. I can explain how credit fits into a loan review. Any next steps depend on your situation, and changes take time to evaluate.

On-screen textBring your credit questionsUnderstand the reviewDiscuss next stepsGive yourself time

Caption

I welcome questions even when buying feels far away. Credit education does not promise a score change or a lending outcome.

Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#CreditQuestions #GetMortgageReady #HamptonRoads #CMSMortgage

6WEEK

Understand Your VA Benefit

I explain service eligibility and how the benefit fits your plans.

VA Benefit

VA BenefitWeek 6 · Post 1

"I include your VA benefit in the comparison."

Film this~25 sec

If you have eligible military service, I want to explore your VA home loan benefit with you. It may offer a no-down-payment path and has no monthly mortgage insurance. I also explain the other costs and requirements. Then we can compare the benefit with alternatives around your plans and finances.

On-screen textReview service eligibilityExplore your VA benefitDiscuss costs and requirementsCompare with your plans

Caption

I can help you understand the VA benefit without assuming it is your only choice. Eligibility and the full loan review still matter.

Hashtags

#VABenefit #MilitaryHomebuyer #LoanComparison #CMSMortgage

VA BenefitSave-worthyWeek 6 · Post 2 · Save-worthy

"I treat the COE as one piece of the VA review."

Film this~25 sec

A Certificate of Eligibility helps document whether you meet the service requirements for the VA home loan benefit. I can explain how to request it and what it tells us. It does not replace the lender's review of credit, income, and the home. I want you to understand those separate steps from the start.

On-screen textCertificate of EligibilityDocuments service eligibilityLender review still appliesAsk me about the steps

Caption

I can explain where the COE fits into a VA loan review. Having the certificate does not settle every lending requirement.

Hashtags

#CertificateOfEligibility #VABenefit #HamptonRoads #CMSMortgage

VA BenefitWeek 6 · Post 3

"I check past VA use before planning the next purchase."

Film this~20 sec

If you used a VA loan before, tell me about that home and the loan tied to it. Prior use does not automatically end the conversation. I can help review your remaining benefit and whether restoration may apply. The details matter before we compare options for another purchase.

On-screen textTell me about prior useReview remaining benefitAsk about restorationPlan the next purchase

Caption

I can help you explore another VA purchase with the right questions up front. Available entitlement and restoration depend on your circumstances and VA rules.

Hashtags

#VAEntitlement #MilitaryMove #LoanOptions #CMSMortgage

7WEEK

FHA Without the Guesswork

I put the requirements and costs into everyday language.

FHA in Plain Terms

FHA in Plain TermsWeek 7 · Post 1

"I explain FHA before asking you to choose it."

Film this~25 sec

FHA insures loans made by lenders. For a buyer, that means a loan option with its own credit, down payment, and property requirements. I also explain mortgage insurance and other costs. I want you to understand the full picture before deciding whether FHA belongs on your short list.

On-screen textFHA insures the loanLender requirements applyDiscuss mortgage insuranceBuild your short list

Caption

I can explain FHA in everyday language, including the costs that belong in a comparison with other loan types. Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements apply.

Hashtags

#FHALoan #MortgageBasics #HamptonRoads #CMSMortgage

Which Loan Fits YouWeek 7 · Post 2

"I put FHA and conventional beside each other."

Film this~25 sec

FHA and conventional loans can both be worth reviewing. I compare the cash needed at closing, mortgage insurance, and the requirements tied to each. Your credit and savings help shape that comparison. I will explain the differences so you can weigh the choices against your own budget.

On-screen textFHA and conventionalCompare cash at closingReview mortgage insuranceUse your own budget

Caption

I can help you look beyond a loan label. Ask me what would change between FHA and conventional for your situation.

Hashtags

#FHA #ConventionalLoan #CompareLoans #CMSMortgage

FHA in Plain TermsWeek 7 · Post 3

"A previous home does not make me skip FHA."

Film this~20 sec

FHA is not limited to people buying their first home. If you have owned before, I can still review whether it is an option for your next purchase. We need to look at the intended use of the home, your finances, and the program rules. Past ownership alone is not my whole comparison.

On-screen textFHA is not first-home-onlyReview your next home plansCheck the full requirements

Caption

Owned a home before? I can include FHA in the review when it makes sense for your plans. Individual and property requirements still apply. Compliance: educational only — VA, FHA, and USDA content is educational and not endorsed by or affiliated with any government agency; not a commitment to lend. Eligibility and loan requirements apply.

Hashtags

#FHALoan #NextHome #LoanOptions #CMSMortgage

8WEEK

Down Payment Choices

I help you weigh cash up front against savings for after the move.

Loan Comparison

Which Loan Fits YouWeek 8 · Post 1

"I keep conventional in the conversation too."

Film this~25 sec

A conventional loan is not insured or backed by VA, FHA, or USDA. It has its own requirements, and it can serve first-time or returning buyers. I review it alongside other available options. Having a government loan option does not mean we should leave conventional out of the discussion.

On-screen textConventional explainedFirst or next homeIts own requirementsKeep options in view

Caption

I want you to understand the alternatives before choosing a loan. Conventional may be worth comparing even when another program is available to you.

Hashtags

#ConventionalLoan #LoanComparison #HamptonRoads #CMSMortgage

Which Loan Fits YouWeek 8 · Post 2

"You do not need 20% down for every loan I review."

Film this~25 sec

I do not want the 20% down myth to set your entire savings goal. Some loan options allow a smaller down payment, subject to their requirements. A smaller down payment still leaves other costs to consider. I help you discuss closing expenses and savings for life after the move before choosing an option.

On-screen textThe 20% down mythSmaller down options existOther costs still matterKeep room after the move

Caption

I can help you separate the down payment from the rest of your buying budget. Ask about the requirements and tradeoffs before setting a savings target.

Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#DownPaymentMyth #HomebuyingBudget #HamptonRoads #CMSMortgage

Which Loan Fits YouWeek 8 · Post 3

"I ask what you want left in savings after moving."

Film this~20 sec

Using more savings up front is a decision worth talking through. I want you to consider repairs, moving costs, and the cushion you want to keep. We can discuss how different down payment choices affect the loan. You decide how those tradeoffs fit the rest of your life.

On-screen textThink past closingPlan for movingLeave room for upkeepDiscuss the tradeoffs

Caption

I can explain the loan differences while you consider your savings priorities. The home purchase is one part of your financial life. Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#BuyingAHome #SavingsPlan #LoanOptions #CMSMortgage

9WEEK

Revisit USDA as You Search

I keep location, household income, and alternatives in the conversation.

USDA in Plain Terms

USDA in Plain TermsWeek 9 · Post 1

"I check the loan fit again when your search area changes."

Film this~25 sec

Expanding a search beyond the cities can change which loan options deserve a look. I may include USDA, but I will not assume a home is eligible because it sits farther out. Eligibility depends on the property location and household income under USDA rules. I review those details before comparing USDA with other options.

On-screen textSearch area changed?Revisit the loan optionsCheck location and incomeAvoid eligibility guesses

Caption

If your Hampton Roads search moves outside the cities, tell me. USDA eligibility depends on the property location and household income under USDA rules, plus other loan requirements.

Hashtags

#USDALoan #HomeSearch #LoanComparison #CMSMortgage

USDA in Plain TermsWeek 9 · Post 2

"I separate a USDA location check from a full loan review."

Film this~25 sec

A property location check answers an important USDA question. It does not finish the review of the household, the borrower, or the home. Eligibility depends on the property location and household income under USDA rules. I help explain what remains to be checked so a map result does not become an assumption about the loan.

On-screen textLocation is one checkHousehold income mattersBorrower review still appliesHome requirements still apply

Caption

I can walk you through the pieces of a USDA review. Eligibility depends on the property location and household income under USDA rules; a location result alone is not a lending decision.

Hashtags

#USDAExplained #BuyerEducation #HamptonRoads #CMSMortgage

Which Loan Fits YouWeek 9 · Post 3

"If USDA is not a fit, I review the other choices."

Film this~20 sec

A property or household may fall outside USDA rules. That tells us about that program, not every possible loan. I can review FHA, conventional, and VA when service eligibility applies. We still need to check each option against your finances and the home. I want the comparison to stay specific to you.

On-screen textUSDA has specific rulesReview other programsCheck individual requirementsKeep the comparison personal

Caption

I can help you review alternatives. USDA eligibility depends on the property location and household income under USDA rules. Each other program has its own requirements.

Hashtags

#LoanOptions #USDALoan #HomebuyingQuestions #CMSMortgage

10WEEK

Plan Around Your Move

I help you prepare for timing, income review, and paperwork.

Get-Ready Coaching

Get-Ready CoachingWeek 10 · Post 1

"I want your move date before I build the checklist."

Film this~25 sec

Tell me when you hope to move and what dates are fixed. A lease ending, a job start, or military orders can affect the plan. I can outline the lending steps and explain where timing may vary. We can also talk about what to prepare if the home search takes longer than expected.

On-screen textShare your move dateSeparate fixed and flexible datesReview lending stepsPrepare for timing changes

Caption

I can help you plan around a move without promising a closing date. Start by telling me what is already on your calendar.

Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#MovePlanning #GetMortgageReady #HamptonRoads #CMSMortgage

Get-Ready CoachingWeek 10 · Post 2

"I want to hear about job changes before they happen."

Film this~25 sec

Thinking about changing jobs while planning a purchase? Tell me how your work and pay might change. I can explain which income records may need another look. A change does not tell us the whole outcome by itself. Discussing it early helps us understand the next steps without relying on guesswork.

On-screen textWork changing?Tell me about the new payReview income recordsDiscuss the next steps

Caption

I can help you understand how a work change may affect the loan review. Share sensitive income records only through a secure process. Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#IncomeQuestions #BuyerPreparation #HamptonRoads #CMSMortgage

Get-Ready CoachingWeek 10 · Post 3

"I explain why a document request matters."

Film this~20 sec

If a request for another document leaves you confused, ask me what it is meant to clarify. It may relate to income, savings, or a detail about the home. I can explain the request and the next step. I want you to know what you are sending and how it fits into the review.

On-screen textAsk what the request meansUnderstand the missing detailUse a secure uploadKeep track of next steps

Caption

I am here to explain the paperwork as well as request it. Keep a list of anything you want me to clarify. Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#LoanReview #HomebuyingSteps #HamptonRoads #CMSMortgage

11WEEK

Make an Informed Choice

I help you compare estimates and think beyond closing day.

Comparison & Coaching

Which Loan Fits YouWeek 11 · Post 1

"I compare the estimates, not just the loan names."

Film this~20 sec

When you review loan estimates, I can help you find the costs and terms that need attention. We should also check whether the estimates use the same purchase details. Differences in the assumptions can make a comparison misleading. I want you to see what is actually different before making a choice.

On-screen textReview loan estimatesCheck purchase assumptionsCompare costs and termsAsk about differences

Caption

I can help you read the estimates and identify questions. A useful comparison starts with understanding what each estimate includes.

Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#LoanEstimate #CompareLoans #BuyerEducation #CMSMortgage

Get-Ready CoachingWeek 11 · Post 2

"A loan choice does not replace my home budget conversation."

Film this~25 sec

After we narrow the loan choices, I still want to discuss the costs of owning the home. Taxes, insurance, maintenance, and any association dues belong in that conversation. Some costs can change over time. I help you understand the lending figures while you plan for the wider responsibilities of ownership.

On-screen textLook beyond the loanTaxes and insuranceMaintenance and duesLeave room for changes

Caption

I want you to keep the full housing budget in view. Choosing a loan is part of preparing for ownership. Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#HomeownershipBudget #BuyerPreparation #HamptonRoads #CMSMortgage

Get-Ready CoachingWeek 11 · Post 3

"If buying needs to wait, I can help you name the next step."

Film this~20 sec

A conversation may show that you need more time to prepare. I can help explain which information or questions still need attention. You might need to organize income records or rethink the timing. I want you to leave with a clear next step that matches where you are today.

On-screen textPreparation can take timeName the open questionsChoose a next stepRevisit when ready

Caption

I can help you understand what to work through before a purchase. Your timeline does not have to match someone else's. Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#GetReadyCoaching #HomebuyingPlan #HamptonRoads #CMSMortgage

12WEEK

Start with Your Questions

I help Hampton Roads buyers choose their next step.

Your Next Step

Get-Ready CoachingWeek 12 · Post 1

"Buying in Hampton Roads? Start with your questions for me."

Film this~20 sec

You can start our conversation with the part you do not understand. Maybe it is the savings needed, the paperwork, or how to compare loans. I will help you sort the questions and identify what we need to review. You do not need to choose a program before reaching out.

On-screen textBuying in Hampton Roads?Bring your questionsSort the first stepsChoose a program later

Caption

I am Vidhi Sharma, and I help buyers compare their loan options in Hampton Roads. Tell me what you would like explained first. Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#HamptonRoads #LoanOptions #HomebuyingQuestions #CMSMortgage

Which Loan Fits YouWeek 12 · Post 2

"I want you to be able to explain your own loan choice."

Film this~20 sec

Before you settle on a loan, I want you to understand why it fits your plans. Can you explain the cash needed, the ongoing costs, and the requirements? If something is unclear, bring it back to me. I can walk through the comparison again in plain language.

On-screen textWhy this loan?Understand the cash neededKnow the ongoing costsAsk until it is clear

Caption

I want your decision to feel informed. Ask me to explain any part of the loan comparison that still feels unclear. Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#ChooseYourLoan #BuyerEducation #HamptonRoads #CMSMortgage

Get-Ready CoachingCloseWeek 12 · Post 3 · Close

"Send me the question that is holding up your home search."

Film this~25 sec

If you are ready to talk, send me a general question about your plans. I can help identify the information needed for a closer look. If you want to begin an application, use my application link. We can review the available loan options from there, with your goals guiding the conversation.

On-screen textStart with your questionTell me your plansUse my application linkReview options together

Caption

Message me about your homebuying plans or use my application link to begin. Please keep private financial records out of social messages. NMLS# 1831544 Compliance: educational only — requirements and circumstances vary; not a commitment to lend.

Hashtags

#HamptonRoadsHomebuyer #LoanOptions #GetMortgageReady #CMSMortgage