Your loan officer runs the company. Pick up the phone. Aquí estoy pa' ayudarte.
I'm Moe, Chief Growth Officer at CMS Mortgage and the loan officer who answers when you call. First-generation, bilingual, Tucson-built. Most LOs scale by disappearing on you. I scaled by staying visible.
Or start my pre-approval (no credit pull yet)
Tucson 12 yrs 67 loans this year NMLS 177765 AZ
I grew up in a house that wasn't ours. I promised my kids would own theirs. Then I realized: most families want exactly what I wanted, and they're scared to ask for help. So I built the system that makes it real.
Most loan officers will close one or two loans for you and disappear. They sell you a number, not a relationship. They route you to a junior processor when it gets hard, and they don't pick up when the appraisal comes in low.
I run growth at CMS Mortgage. I'm not hiding behind a title. I'm the LO on the file, on the phone, in the email at 9pm on a Sunday when your agent has a question. If your file is complex, that's exactly when I'm at my best. That's the file I want.
My family didn't have anyone to ask. Yours doesn't have to figure it out alone. Aquí estoy pa' ayudarte: in real Spanish, not Google-Translated, with the patience your tía deserves.
Let's make home happen. Vamos a lograrlo, juntos.
Three kinds of borrowers I love.
Most LOs say "I do everything." That's how things go wrong. I focus on the three files I close best, and tell you straight if you're not one of them.
- First-time buyers · Primera casa
You've never done this before. Good. I'll walk you through it like family.
FHA, conventional, down-payment assistance, gift funds. I explain every form, every fee, every reason a number changed. No jargon. No shortcuts that bite you at closing.
Is this me?
- I was in high school when I saw my parents buy their first house
- Saved a little, not a lot
- Got questions you've been embarrassed to ask
- Self-employed & 1099 · Sin W-2
You don't have W-2s. You have receipts. I have programs.
Bank-statement loans. P&L-only programs. Write-offs that crushed your AGI? I have lenders that read businesses, not just tax returns. We'll find the math that works.
Is this me?
- 1099 contractor or business owner
- Two years self-employed (sometimes one is enough)
- Got told 'no' by a bank that doesn't understand your industry
- Investors · Inversionistas
DSCR, hard money, portfolio loans. The deals other people pass on.
Rental income qualifies. LLC ownership is fine. Short-term rental cash flow counts. From your first investment property to your fifteenth, I've closed it.
Is this me?
- Building a rental portfolio
- Need to close fast on a cash-equivalent offer
- Self-directed IRA buying or non-warrantable condo
What homeownership actually looks like here.
Numbers from the local MLS, U.S. Census, and Pima County records. Updated quarterly so you're not making decisions on stale data.
Don't let national headlines pick your loan. Tucson plays by its own rules. Let's run your specific numbers.
Four steps. No surprises. No disappearing acts.
- Day 1
We talk
20 minutes on the phone. I learn your situation. You learn what's possible. No credit pull, no commitment.
- Day 1–3
Soft pre-approval
I review what you can document and pre-qualify you with a real letter you can take to an agent.
- Day 7–18
Under contract
Once you have an accepted offer, I drive the process. Underwriting, appraisal, conditions: you'll hear from me weekly without asking.
- Day 21
Clear to close
Signing day at the title company. Keys in your hand. I show up if you want me to.
The ones people are afraid to ask.
If yours isn't here, text me. No question is too basic. Promise.
I don't have W-2s. Can I still get a mortgage?
Yes. Bank-statement loans use 12 or 24 months of business deposits. P&L-only programs use a CPA-prepared profit and loss. We'll find the math that proves you can afford the home, without you needing to fake a W-2 income.
Hablo español. ¿Podemos hacer todo el proceso en español?
Sí. Soy bilingüe. Hablamos en español, las llamadas, los documentos que necesites traducidos, y le explico todo a tu familia con la paciencia que tu tía merece. La hipoteca es complicada en cualquier idioma. Vamos a quitarle lo difícil.
My credit isn't perfect. Should I even bother calling?
Yes. FHA goes to 580. Some non-QM programs go to 500. We can also map a 60-90 day plan to fix the items hurting you most. Don't disqualify yourself. That's my job.
I'm a first-time buyer in Tucson. Where do I even start?
Call me first, agent second. I'll tell you exactly what you can afford, what you'll need at closing, and what programs (FHA, DPA, gift funds, Pima Tucson Homebuyer's Solution) you qualify for. Then your agent shops the right price band, not the wrong one.
How fast can we actually close?
21 days is my average. 14 is possible on conventional with all docs upfront. 30 is realistic if you're self-employed and we're documenting business income. Slower than that means somebody dropped the ball, and that someone won't be me.
Why CMS Mortgage and not a big bank?
Big banks have one set of programs. As a broker, CMS shops 60+ wholesale lenders for you. That means more programs, more flexibility on tough files, and rates that compete with what banks publish, without their overlays. Plus you get me, not a 1-800 number.
Most people just text me.
Direct line, not a 1-800. I pick up on weekdays within an hour, on weekends within four. Llama en español, también. Soy bilingüe.