Here is what happens to their loan with a CMS loan officer, the rules we hold to, and three ways an office can work with us. This page is short. Nothing on it is an offer, and nothing on it asks your office to change lenders or send us buyers.
Each line is something you can hold us to.
What your agent sees, who they hear from, and what happens in between.
If a date is at risk. A low appraisal, a condition that can’t clear in time, a lock that needs extending: the loan officer and the Bright processor are both expected to know, and the loan officer is expected to tell your agent.
We don’t print a close time we can’t source. Ask us to walk you through a real file, step by step.
The first needs nothing from you. The other two are still in design and not available yet. No office is using them.
A CMS loan officer works with your agents’ buyers when a buyer chooses one. Nothing changes in how your office runs, and nothing is signed to start. Your agents decide each time.
Available to agents today: each CMS loan officer’s page on cmsmortgage.com. Co-branded pieces need a written co-marketing agreement first (rule 4). An education center for agents is in build and opens only after a RESPA review.
CMS loan officers work from space in your office under a written lease at fair-market rent. The rent is set by the space, not by the loans, and it doesn’t change if no buyer ever uses the team. The lease covers space the team actually uses. It doesn’t buy access to your agents, a spot in your sales meetings, or a preferred-lender listing. Every buyer chooses their lender.
Counsel will review it, state by state, before any office signs anything. Team size, space and timing come out of that review and your first conversation, and we won’t print a date until counsel has reviewed it.
A joint venture isn’t part of the first conversation. We won’t discuss terms for one until counsel has reviewed a structure for your state.
You, the owner, can become a CMS-sponsored loan officer. The federal minimum is 20 hours of NMLS pre-licensing education, the SAFE MLO test, and a background and credit check. Your state may add steps or limit holding a real estate license and a loan officer license at the same time.
A licensed owner advises the borrower, takes the application, and is the loan officer of record on every loan they’re paid for. After hand-off, our processing team handles conditions and closing logistics. Nothing is paid on your agents’ loans, and no agent is expected to use you. Your agents’ splits, fees and standing can’t depend on whether their buyers use you. Where you’d earn both a real estate commission and loan officer pay on the same sale, your state may require a written disclosure to the buyer, or may not allow it. Available only in states where CMS is licensed.
CMS Mortgage Solutions is a mortgage broker, NMLS #212405. A buyer’s loan closes with a wholesale lender chosen for that buyer’s scenario, from the wholesale lenders in our public directory (110+ listed). A CMS loan officer isn’t tied to one lender.
Bright Processing, after the loan officer hands off at Loan Setup. Bright owns conditions, disclosures, appraisal and title tracking, and closing logistics, and reaches the buyer by phone, email and text for what the file needs.
CMS is licensed in 27 states. Tell us yours and we’ll confirm licensing before the first call. Paths B and C aren’t available in any state yet.
Then they use another lender. Nothing changes for you or your agent.
No. AI tools help loan officers and processors draft and check. People make the loan decisions. No bot approves a loan, touches Arive, or sends anything to a buyer.
Not yet. Paths B and C are still in design and no office is using them. Path A is how CMS loan officers work with agents today.
The first call is about your office: what you’ve built, what you want help solving, and what you want to build next. We don’t contact your agents or your lender about it without your say-so.
Office conversations go to Corrina Carter, founder and CEO.
