Meet Vidhi Sharma · Loan Officer · CMS Mortgage Solutions

Reach me — pick whatever's easiest

Call or text(757) 386-5069

Emailvidhi@cmsmtgsolutions.com

When you're readyStart your application →

Bring your questions. I will help you sort out what to compare first.

Who I am

I start with your plans, not a loan label.

I'm Vidhi Sharma, a loan officer at CMS Mortgage Solutions serving Hampton Roads. I help buyers compare VA, FHA, USDA and conventional loans in plain terms. I want you to understand why an option may fit, what it asks of you, and what else deserves a look.

I put your choices side by side. We can talk about savings, income, credit and the kind of home you want. If you are looking outside the cities, I include USDA in the conversation. Eligibility depends on the property location and household income under USDA rules.

I also help you prepare before you apply. We can make a document list, sort out questions about credit, and talk about a timeline that works for you. You can start with a question instead of a decision. I will help you choose a next step.

How I help

My four pillars: compare, explore USDA, understand VA, get ready.

Which loan fits you?Program terms vary

I compare VA, FHA, USDA and conventional loans around your plans. VA relates to service eligibility. FHA has government insurance. USDA has location and household income rules. Conventional loans follow a different set of requirements. I explain the tradeoffs before you choose.

USDA outside the cities

Looking beyond the city for a home? I can help you explore USDA. A rural-looking property alone is not enough. Eligibility depends on the property location and household income under USDA rules. The borrower and home still need review.

Your VA benefitProgram terms vary

I help you understand the Certificate of Eligibility and the questions to ask about using your VA benefit. A benefit check and a loan review do different jobs. I explain both and compare VA with other options that may fit.

Get-ready coaching

I help you gather income records, review your savings plan, and prepare questions about credit. If FHA or conventional is on your list, we can discuss what each may require. You do not need every answer before we begin.

My VA, FHA and USDA content is educational . It is not a commitment to lend. CMS Mortgage Solutions is not endorsed by or affiliated with any government agency. All loans remain subject to credit, income and property review.

How it works

Tell me. Compare with me. Prepare with me.

I will help you turn a list of loan names into a practical next step.

Tell me what mattersShare your home search area, timing and questions. I want to understand your plans before we narrow the loan choices.

Compare the choicesI explain the requirements and tradeoffs for the options worth exploring. We look at what fits your situation, not just the familiar name.

Make a preparation planI help you identify documents and questions for the application review. We can revisit the comparison if your plans change.

Not sure which loan to ask about?

That is a good place to start with me. Tell me what you hope to do, and I will help you work through the choices.

Start your application Call or text (757) 386-5069