Cris Miller, Mortgage Loan Originator NMLS 251942

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Virginia Beach, VA
Cris Miller, Mortgage Loan Originator NMLS 251942

Mortgage Broker
Licensed in VA, NMLS 251942
nmlsconsumeraccess.org NMLS 212405 Fun Fact: I'm a 6 time Iron Man Triathlete and Iron Man of the year in 2009.

I'm an experienced Mortgage Lender in Virginia Beach with a passion for finance and connecting 1st time home buyers into their new home. NMLS # 251942
Find Me On - https://lo.primelending.com/cris.miller/
Equal Housing Opportunity Lender. Licensed by Virginia. http://www.nmlsconsumeraccess.org

08/28/2026

Unlock the power of your home equity! Whether you’re looking to renovate, invest, consolidate debt, or cover a major expense, our 5-Day HELOC program may be the solution.

Same-day approval with funds available in as little as five days! Call or text “HELOC” to Cris Miller at 757-403-2836 today.

08/25/2026

🍌🍨 Happy National Banana Split Day! 🍒

Finding the right mortgage should be just as sweet as your favorite dessert! Whether you’re buying your first home, refinancing, investing, or exploring your VA or FHA options, I’m here to help create the perfect loan for you.

Don’t let the mortgage process drive you bananas—call me today! 🏡

📲 Cris Miller
CMS Mortgage Solutions
757-403-2836

07/31/2026

Don’t let your homeownership dreams take a break just because it’s the weekend!

Whether you’ve found the perfect home, need a pre-approval, want to explore your financing options, or simply have questions about the mortgage process—I’m available and ready to help.

The housing market doesn’t stop on Friday, and neither do I! When the right opportunity comes along, you need a trusted mortgage professional prepared to help you make your move quickly and confidently.

Call Cris Miller at CMS Mortgage Solutions today at 757-403-2836. Let’s turn your homeownership goals into reality—even on the weekend!

07/30/2026

🏡 BUY NOW. REFINANCE LATER. 🔑

Waiting for the "perfect" interest rate could mean missing out on the perfect home.

Homeownership isn't just about today's rate—it's about building equity, wealth, and a brighter financial future. As the market changes, refinancing may become an option down the road, but the opportunity to own the right home today may not come around twice.

Whether you're a first-time homebuyer, moving up, investing, or purchasing your forever home, my team and I are here to help you explore your options and create a mortgage strategy that fits your goals.

With over 27 years of mortgage experience, I'm committed to making the home financing process simple, transparent, and stress-free.

📞 Let's talk about your options today!
Whether you're ready to buy now or just have questions, I'm always here to help.

Cris Miller
Senior Loan Officer | CMS Mortgage
📱 757-403-2836
📧 [email protected]
🌐 www.cmsmortgage.com

07/02/2026

🇺🇸 HAPPY 4TH OF JULY!! 🇺🇸

Everyone has a Happy Place... and mine just happens to be on the water!

This holiday weekend is all about family, friends, making memories, and enjoying a little downtime.

While I'll be relaxing on the boat, I'm never too far away if you have questions about buying a home, refinancing, or getting pre-approved. Just give me a call or shoot me a text—I always have my phone nearby! 📱🏡

Wishing everyone a safe, fun, and unforgettable Independence Day weekend!

God Bless America

06/26/2026

Now you're speaking my love language... it's National Chocolate Pudding Day! 😋

If loving chocolate pudding is wrong... I don't want to be right! 😂

Whether you're enjoying a bowl of chocolate pudding, relaxing with family, firing up the grill, or just soaking up the weekend, I hope you have an amazing one!

🏡 And remember... the mortgage business doesn't stop just because it's the weekend—and neither do I! If you've been thinking about buying a home, refinancing, or just have a mortgage question, give me a call or send me a message. I'm always happy to help, even on the weekend!

Have a safe, fun, and chocolate-filled weekend, everyone!! 🍫❤️

📞 Cris Miller
Senior Loan Officer | CMS Mortgage
📱 757-403-2836

05/18/2026

Let’s talk about one of the biggest myths in home buying… the idea that you need 20% down to buy a home. You don’t.

I hear this all the time, and it stops so many people from even exploring their options. The reality? Most first-time homebuyers put down somewhere between 3.5% and 5%… and some buyers even qualify for 100% financing with zero down payment. Yep — zero.

There are also programs designed specifically to help buyers get into a home sooner than they thought possible. So where did the 20% myth come from? It’s become one of those things people hear over and over and just assume is true.

It might be time to wake up, folks — because waiting years to save 20% could mean missing opportunities you already qualify for today.

Curious what options might fit your situation? Reach out — I’d be happy to explain the different programs and help you see what’s available.

03/31/2026

Would you rather pay 100% of your own mortgage… or 100% of your landlord’s?

It’s a simple question, but it hits home. Every rent payment you make is building someone else’s future—not yours. You’re covering their investment, their equity, their long-term wealth.

Now imagine that same monthly payment going toward something with your name on it. Your home. Your investment. Your future.

Homeownership isn’t just about having a place to live—it’s about creating stability, building equity, and giving yourself options down the road.

And here’s the truth: a lot of people who think they “can’t buy yet” are actually closer than they realize.

So the real question is… how much longer do you want to keep paying someone else’s mortgage?

Let’s talk. I’d love to show you what’s possible.

03/09/2026

Happy Monday!
Calling all self-employed business owners, entrepreneurs, and hustlers — getting a mortgage can look a little different for you, but it’s absolutely doable!
One of the biggest challenges is that lenders look closely at your tax returns and documented income. Many self-employed borrowers take great tax write-offs (which is smart!), but those write-offs can sometimes make the income used for qualifying look lower on paper.
The key is preparation. Having the last two years of tax returns, year-to-date income, and clean business records can make a big difference.
The good news? With the right planning and guidance, many self-employed buyers successfully become homeowners every year.
If you’re self-employed and thinking about buying a home, I’d be happy to help you review your numbers and create a plan.

Address

1612 Centerville Tpke Ste 307
Virginia Beach, VA
23464

Website

http://www.cmsmortgage.com/

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