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NMLS #2453219


 MEET Your Loan Originator 

  Aninze “Zee” Awanna  

Zee, a retired US Navy Veteran, and retired Federal Government Contracting Officer, has served for a total of 36 years. Zee brings that same level of commitment in service to her fellow veterans and all clients to secure the best possible mortgage deals.

NMLS# 2453219

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Loan Originator | Licensed in AZ, GA,CA,VA,MI

NMLS #2453219

Family Viewing House

Are you tired of the never-ending mortgage maze?
We're here to rescue you from the homebuying chaos!

Live. Love. Mortgage.

We Treat Our Buyers Like Family, Not Transactions.

NMLS# 2453

Equal Housing Opportunity

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Why Choose                       ?


Why Struggle Alone? Choose CMS Mortgage Solutions Inc.


At CMS Mortgage Solutions Inc., we understand that choosing a mortgage partner is a big decision. With countless options out there, why should you make us your trusted ally on your homeownership journey? Here are some compelling reasons:

  • Proven Expertise: CMS Mortgage is a top-ranked broker with over 24 years of industry success in 19 states, and nearly 50 lending partners ready to serve you.

    Client Focus: Our "Live, Love, Mortgage" motto drives us to meet and exceed your expectations.

  • Efficient Process: We make mortgage navigation easy and prioritize your loan at every stage.

  • Custom Fit: We offer mortgage solutions tailored specifically to your unique needs and goals.

Free Comprehensive Home Buyers Guide

Download link by completing the form below.

Click here to download

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Get a Rate Quote in Just 30 Seconds!

Mortgage rates change daily and vary depending on your unique
situation. Get your FREE customized quote here!


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Our Services

Refinance the CMS Way: Easy, Smart, Rewarding

Stuck with high rates? Lost in refinance jargon? We have your back.

  • Effortless Options: We break down complex options, so you can choose with ease.

  • Veteran Team: Our team offers reliable advice tailored to your needs.

  • Zero-Cost AnalysisKick off your journey with a no-cost analysis.

  • Personalized Advice: Whether new to refinance or a veteran, we guide you personally.

How It Works: Quick Guide

  1. Request a refinance analysis.

  2. Choose from various refinancing options.

  3. Compare terms, conditions, and rates.

  4. Select the perfect fit for your needs.

Why Settle? Go Hassle-Free

  • Prime Rates: Still searching for the best refinance rates? Your search ends here.

  • Expert-Led Decisions: We clarify mortgage rates, especially since we’re licensed in all of the hot markets in 19 states! (AZ, CO, DC, DE, FL, GA, IN, MD, ME, MI, NC, NH, NM, OK, PA, SC, TN, TX & VA)

  • The Path to More Savings: Initiate your journey with a FREE analysis and unlock the keys to better savings and a better life.

Ready to simplify your life and unlock your home's potential?

Begin your journey with CMS Refinance today!

Seamless Home Purchase Solutions

Turn Keys, Not in Circles

Discover the CMS Advantage

  • Transparent Rates: Tired of hidden fees? Trust our straightforward, competitive rates.

  • Guided Simplicity: Confused by home loans? We're your personal guide, every step of the way.

  • Streamlined Process: Big decisions shouldn’t be hassles. Let our efficient process put your mind at ease.

  • Confidence from Day One: Get going with a FREE pre-approval letter from us. To start your journey with a sturdy foundation.

Your New Home in Four Simple Steps

  • Inquire: Get a FREE pre-approval letter. Take your first step to owning.

  • Receive: Enjoy a tailored list of options that align with your unique financial situation.

  • Compare: Make informed decisions, thanks to our transparent rates and terms.

  • Finalize: Choose your best match and take the keys to your dream home.

Your Homebuyer Profile—We Cater to All

  • Options for Everyone: First-timer or the savvy real estate investor, we've got a program that fits.

  • Expert Guidance, No Jargon: Our team of specialists is here to translate the fine print into plain English, so you can make a choice you'll be happy with for years to come.

Begin your journey to homeownership today with CMS Mortgage Solutions Inc. Your dream home is just a few steps away!

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A Loan for Every Dream

Tailored Loan Options to Fit Your Needs
Get a FREE quote and save thousands annually

30-Year Fixed Mortgage:

  • Stable monthly payments with low rates.

  • Ideal for long-term homeownership.

FHA Loans:

  • Insured by the Federal Housing Administration.

  • Easier access and affordability for first-time buyers.

203K Loans:

  • Get a FREE quote and begin renovations.

  • Purchase and finance home repairs in one loan.

  • Turn fixer-uppers into dream homes.

15-Year Fixed Mortgage:

  • Pay off your home twice as fast with lower rates.

  • Perfect for those who prefer shorter loan terms.

VA Loans:

  • Guaranteed by the US Department of Veterans Affairs.

  • Designed to offer long-term financing to eligible veterans.

USDA Loans:

  • Support for low- or moderate-income buyers in rural areas.

  • Low effective interest rates with no down payment.

Adjustable Rate Mortgage (ARM):

  • Initial lower interest rates for short-term homeownership.

  • An excellent choice for flexibility in your mortgage.

Jumbo Loans:

  • For loan amounts exceeding conventional limits.

  • Ideal for high-value property purchases.

Reverse Mortgage:

  • Get a FREE quote and unlock home equity.

  • For seniors aged 62 and older.

  • Convert home equity into cash with no monthly mortgage payments.



"I had a great experience working with CMS Mortgage Solutions Inc. Their team of brokers were knowledgeable and professional, and they helped me find the perfect mortgage solution for my needs. I would definitely recommend them to anyone looking for a mortgage broker."

- Sarah M.

"CMS Mortgage Solutions Inc. made my first home purchase a breeze. Their team of brokers were patient and helpful, and they walked me through every step of the process. I couldn't be happier with the service I received."

- John D.

"I've worked with several mortgage brokers over the years, and CMS Mortgage Solutions Inc. is by far the best. Their team of brokers are experienced and knowledgeable, and they always go above and beyond to ensure their clients are satisfied. I highly recommend them."

- Mike T.

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Mortgage Notes,
Rental Property,
Seller Financing

Awanna Holdings, LLC is a full-service note investing company. We buy Mortgage Notes in 1st or 2nd

position (performing or

non-performing) and provide private seller financing and rental assets

for cash flow.

Want To Inquire About Mortgage Note Investing Or Have Another Question? 

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  • How Much Can I Afford?
    To calculate ‘how much house can I afford,’ a good rule of thumb is using the 28%/36% rule, which states that you shouldn’t spend more than 28% of your gross monthly income on home-related costs and 36% on total debts, including your mortgage, credit cards and other loans like auto and student loans.
  • How Do I Calculate My Mortgage Payment?
    If you want to do the monthly mortgage payment calculation by hand, you’ll need the monthly interest rate - just divide the annual interest rate by 12 (the number of months in a year). For example, if the annual interest rate is 4%, the monthly interest rate would be 0.33% (0.04/12 = 0.0033).
  • What is a Mortgage?
    A mortgage is an agreement between you and a lender that gives the lender the right to take your property if you fail to repay the money you’ve borrowed plus interest. Mortgage loans are used to buy a home or to borrow money against the value of a home you already own.
  • What is a Reverse Mortgage?
    To qualify for a reverse mortgage loan you must own a home, be at least 62 years old and have enough equity built up in your home. The loan works by the lender making payments to the borrower based upon a percentage of the equity that has been built up in the home over time.
  • How to Get Pre Approved For a Mortgage?
    Get your free credit score. Know where you stand before reaching out to a lender. … Check your credit history. … Calculate your debt-to-income ratio. … Gather income, financial account and personal information. … Contact more than one lender.
  • Should I Refinance My Mortgage?
    One of the best reasons to refinance is to lower the interest rate on your existing loan. Historically, the rule of thumb is that refinancing is a good idea if you can reduce your interest rate by at least 2%. However, many lenders say 1% savings is enough of an incentive to refinance.
  • What is Mortgage Insurance?
    Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get. Typically, borrowers making a down payment of less than 20 percent of the purchase price of the home will need to pay for mortgage insurance.
  • How much of a mortgage can I qualify for based on my income?
    Why it’s smart to follow the 28/36% rule. Most financial advisers agree that people should spend no more than 28 percent of their gross monthly income on housing expenses and no more than 36 percent on total debt - that includes housing as well as things like student loans, car expenses and credit card payments.
  • What Type of Loan do I Need to Buy a House?
    Fixed-rate loans are ideal for buyers who plan to stay put for many years. A 30-year fixed loan might give you wiggle room to meet other financial needs. … Adjustable-rate mortgages are riskier than fixed-rate ones but can make sense if you plan to sell the house or refinance the mortgage in the near term.

Contact Us for Your Best Step Forward

Still pondering? Don't wait,
Unlock Your Best Mortgage Deal Today!

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