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!

Book a call
Excellent 4.9 out of 5

“Caroline is a true professional and master of her craft.”

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?

+1 (219) 707-3679image

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!

"I believe homeownership is more than just buying a house; it's about building a future and creating a place where memories are made. I believe in treating every client like family, guiding them through the mortgage process with care, honesty, and dedication. My greatest joy is helping people achieve their dreams of owning a home."

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?

Navigating the mortgage process can feel overwhelming, but with our personalized and compassionate approach, you’re never alone. We understand that securing a mortgage is one of the most significant financial decisions you’ll make, and our goal is to make this journey as smooth and stress-free as possible. Led by Caroline, our experienced team takes the time to understand your unique financial situation and homeownership goals. Whether you're a first-time homebuyer or looking to refinance, we tailor solutions that align with your needs. We provide a range of comprehensive tools and resources designed to empower you with the knowledge to make confident, informed decisions. From pre-approval to closing, our unwavering support ensures that you feel guided and secure at every stage. Let us help turn your dream of homeownership into a reality—with a process that’s simple, transparent, and designed just for you.

"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? Lost in refinance jargon? Don’t worry—we’ve got your back. Refinancing your mortgage shouldn’t feel like decoding a foreign language. That’s why we make the process easy, smart, and rewarding, giving you the tools and guidance you need to make confident financial decisions. Our streamlined approach simplifies complex refinancing options, helping you cut through the noise and focus on what matters—saving money and achieving your financial goals. We take the time to understand your unique needs and offer tailored, reliable advice so you can make informed decisions with ease. Here’s how we make refinancing simple:
No-Cost Analysis – Explore your options risk-free
Transparent Rates – No hidden fees, no surprises
Expert Guidance – Personalized advice from start to finish
Simplified Process – We handle the complexities so you don’t have to. Whether you’re new to refinancing or an experienced homeowner, we provide hands-on support at every stage, ensuring the journey is straightforward and rewarding. Ready to unlock better rates and achieve your financial goals? Start with a 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 is simple—to create a seamless home buying experience where every step is clear, supportive, and empowering. We understand that buying a home is one of life’s biggest decisions, which is why we focus on transparency, simplicity, and trust. With transparent rates and no hidden fees, you can feel confident knowing exactly what you’re paying for. We believe in straightforward, competitive pricing that builds trust and helps you focus on what truly matters—finding your dream home. Navigating the complex world of home loans doesn’t have to be overwhelming. Through guided simplicity, our dedicated team walks with you through every stage, offering personalized advice to ensure that you always feel supported. Our streamlined mortgage process is designed to eliminate stress, so big decisions don’t turn into big hassles. From your first consultation to closing day, we’re here to put your mind at ease. Start strong with a FREE pre-approval letter—laying the foundation for a confident, smooth homebuying 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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