MEET Your Loan Originator

Hi, I'm Caroline Shook. I help others achieve their goals and improve their lives. I have a loving husband, four professional sons, four delightful daughters-in-law, five wonderful grandchildren, and three dogs. I live in a fifth-wheel RV and travel the US. My career includes roles as a HUD-certified housing counselor, landlord, real estate agent, home builder, and vice president for a disability support agency. Real estate isn’t just my profession—it’s my passion. Over the years, I’ve personally bought and sold 5 homes, navigated the world of investing with 175+ properties, and even expanded into 2 commercial properties. Each purchase and sale taught me valuable lessons—how to negotiate the best deals, spot opportunities, and overcome challenges. But more than that, it’s given me a deep understanding of what my clients experience when making life-changing real estate decisions. Whether you're buying your first home, investing in rental properties, or considering a commercial venture, I’ve been in your shoes and know what it takes to succeed. Let’s make your real estate dreams a reality!

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Excellent 4.9 out of 5

Working with Caroline made the mortgage process so much easier than I expected. She was patient, knowledgeable, and truly had my best interest at heart every step of the way.
Alex Tachov, Home Owner

Welcome to CMS Mortgage Solutions

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677k Clients Globally

At CMS Mortgage Solutions, we pride ourselves on providing comprehensive and customized mortgage solutions. Our mission is to guide you through the mortgage process, ensuring a smooth and seamless experience. Whether you are a first-time homebuyer, looking to refinance, or seeking a second home, our team of experts is here to help you achieve your financial goals.

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Ready for No Hidden Fees?

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Live. Love. Mortgage.

We Treat Our Buyers Like Family, Not Transactions.

98%

Customer Satisfaction Rate

20+

Years of Combined Experience

30

Day, Average Closing Time

Hi I'm Caroline!

"To me, homeownership isn’t just about buying a house—it’s about creating a foundation for the future and a place where memories can truly take root. I treat every client like family, walking alongside them with honesty, care, and dedication through every step of the mortgage process. My greatest joy is helping people turn the dream of owning a home into a reality they can be proud of."

Meet Caroline Shook
Your Dedicated Loan Originator
NMLS #2579496Licensed in IN, MI

Improving The Home Buying Process One Client At A Time! 

How Caroline Can Help You?
Personalized Mortgage Solutions designed to fit your unique financial situation and long-term goals. Explore flexible options and expert advice to secure your dream home today!
Competitive Rates:  Secure the best possible rates and lower your monthly payments. Start saving money on your mortgage with expert guidance now!
Expert Guidance: Navigate the home loan process with confidence. Receive personalized advice to make smart, informed decisions every step of the way.
First-Time Homebuyer Support: Expert advice, tools, and resources to confidently navigate your first home purchase. Start your journey to homeownership today!
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OUR APPROACH

Why Struggle Alone?

The mortgage process doesn’t have to feel overwhelming. With our personalized, caring approach, you’ll never walk this journey by yourself. Led by Caroline, our team takes the time to understand your unique financial picture and homeownership goals. Whether you’re buying your first home or refinancing your current one, we tailor solutions to fit your needs—not the other way around.

We provide clear guidance, practical tools, and the knowledge you need to make confident decisions every step of the way. From pre-approval to closing, you’ll have support that’s honest, transparent, and focused on making the process as smooth and stress-free as possible. Together, we’ll turn your dream of homeownership into reality—without the overwhelm.

"Empowering home buyers with personalized care."
  • Personalized Approach
  • Client-Centered Service
  • Efficient Process
  • Comprehensive Tools

Refinance the CMS Way

Easy, Smart, Rewarding

Stuck with high rates? Confused by refinance jargon?
You’re not alone—and you don’t have to figure it out on your own either. Refinancing shouldn’t feel like cracking a secret code. That’s why we make the process clear, simple, and rewarding. Our goal is to help you save money and reach your financial goals with confidence.

We start by getting to know your unique needs and tailoring options that make sense for you. No gimmicks, no hidden fees—just honest guidance and a straightforward path to better results.

Here’s how we keep refinancing simple:
✅ No-Cost Analysis – Explore your options with zero risk
✅ Transparent Rates – No hidden fees, no surprises
✅ Expert Guidance – Personal advice, every step of the way
✅ Streamlined Process – We handle the details so you don’t have to

Whether it’s your first refinance or your fifth, you’ll have a team committed to making the journey smooth, stress-free, and worth it. Ready to lock in better rates and take control of your mortgage? Start with your FREE no-cost analysis today!

  • Personalized Consultations
  • Effortless Process
  • Zero-Cost Analysis
  • Personalized Loan Options
Buying your first home is a leap into a future full of dreams and possibilities, making it a truly rewarding journey

Seamless Home Purchase Solutions

Turn Keys, Not in Circles

Our Vision
Buying a home—or investing in real estate—is one of life’s biggest financial decisions, and our mission is to make that journey as seamless, supportive, and empowering as possible. We believe the mortgage process should never feel like a maze. Instead, it should be guided with clarity, transparency, and trust, so you always know where you stand and what comes next.

That’s why we focus on straightforward pricing with no hidden fees, competitive rates, and honest communication. Whether you’re purchasing your very first home, upgrading to fit a growing family, refinancing to save money, or expanding your portfolio with an investment property, we’re here to provide the tools and guidance you need to make confident, informed choices.

Our team understands that every borrower’s path is unique. First-time homebuyers need education and reassurance, while seasoned investors may need creative strategies for rental income, DSCR loans, or financing multiple properties. Whatever your goals, we tailor our approach so you feel supported from start to finish.

From pre-approval to closing day—and even beyond—we’re dedicated to eliminating stress, simplifying the process, and putting your mind at ease. Our streamlined mortgage solutions and personalized advice are designed to keep you focused on what truly matters: building wealth, stability, and the future you envision.

Start strong with a FREE pre-approval letter—laying the foundation for a confident, smooth, and successful homebuying or investment journey.

Innovate together, inclusivity fuels prosperity, forging a boundless, brilliant future
  • No hidden fees
  • Free pre-approval
  • Flourishing Bonds
  • Proven Success
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"As a first-time homebuyer, I had a lot of questions and concerns. Caroline was patient, informative, and incredibly supportive throughout the entire process. I felt confident and secure with her by my side. I highly recommend her to anyone looking for a mortgage!"

Jessica

Homeowner

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"Caroline's service was top-notch from start to finish. Her expertise and prompt communication made buying our second home a seamless experience. We appreciate her hard work and dedication in finding the best rates for us."

New Home Owner

Dave

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"Caroline's dedication and attention to detail were outstanding. She treated us like family and ensured that we got the best possible deal for our new home. Her knowledge and professionalism are unmatched. Thank you, Caroline!"

Rebecca Adams

Homeowner

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"Working with Caroline was a breeze! She was always available to answer our questions and guided us through refinancing our mortgage with ease. Thanks to her, we're saving money every month. Highly recommend CMS Mortgage Solutions Inc. and Caroline Shook!"

Daniel Carter

Home Owner

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