Welcome to the CMS Operations Portal — your single source of truth for how we originate loans, stay compliant, and grow as mortgage professionals. Whether you're on day one or day ninety, everything you need to do this job well lives here. Read it, use it, and come back to it often.
Welcome from CMS Leadership#
Welcome to Capital Mortgage Source.
We built this operations portal because we believe LOs shouldn't have to figure things out the hard way. The mortgage industry is full of brokerages that hand you a rate sheet and a desk and wish you luck. That's not us.
What you have in front of you represents 20 years of hard-won operational knowledge — the workflows, compliance rules, communication templates, and system training that separate LOs who close loans from LOs who get stuck. Use it. Lean on it. It's why we invested in it.
CMS is a place where systems do the heavy lifting so you can focus on relationships and production. We expect you to know this portal inside and out by the end of your first 30 days. In return, we'll give you every tool and resource you need to close your first loan — and build a sustainable book of business from there.
Let's get to work.
— CMS Leadership Team
Last updated: 2026-02-25 | Contact: Operations Manager
Start Here — Day 1 Checklist#
Complete these in order before doing anything else. These are the gates. Don't skip them.
- Get your Arive LOS login — Contact your Operations Manager. You cannot originate loans without it.
- Set up your CMS email address — Your email is your professional identity. Get it on your phone and desktop before your first borrower call.
- Complete your NMLS record update — Confirm your NMLS license is active, your sponsorship is updated to CMS, and your record reflects current employer information. This is a legal requirement, not a formality.
- Read the Compliance Guide — Before you take your first application, you must understand TRID timelines, ECOA requirements, and Oregon-specific rules. Compliance errors are career-ending. Don't skip this.
- Complete the Arive Training Guide — Know the system before you touch a real file.
- Read the Loan Process SOPs end-to-end — One read-through minimum on day one. You'll come back to specific sections constantly.
- Review the Templates & Scripts — You should never be writing borrower or realtor emails from scratch. Know what's available.
- Schedule your first check-in — Contact your manager to schedule your Day 7, Day 30, Day 60, and Day 90 check-ins now.
- Identify your shadow loan — Arrange to follow one active loan file from your first week through to close with a senior LO. This is mandatory.
Portal Quick Links#
| Section | What's Inside | Start Here If... |
|---|---|---|
| Loan Process SOPs | Pre-qual through funding, step-by-step | You're taking an application or have a question about workflow |
| Compliance Guide | TRID, ECOA, Oregon rules, privacy | You need to know what's legally required before you do something |
| Arive Training | How to use Arive LOS effectively | You're new to Arive or unsure how to do something in the system |
| 90-Day Ramp | Week-by-week onboarding framework | You want to know what's expected of you and when |
| Templates & Scripts | Email templates, voicemail scripts, checklists | You need to communicate with a borrower or realtor |
Contact Directory — Who to Call When Stuck#
Note: This directory lists roles, not individuals. Your manager will provide the current name and direct contact for each role.
| Role | What They Handle | How to Reach Them |
|---|---|---|
| Operations Manager | Arive issues, file questions, compliance questions, escalations | [Phone / Email — provided on hire] |
| Processing Lead | File handoff, condition clearing, timeline questions | [Phone / Email — provided on hire] |
| Compliance Officer | TRID issues, fair lending questions, Oregon DFR matters | [Phone / Email — provided on hire] |
| IT / Systems | Arive login issues, email setup, system access | [Phone / Email — provided on hire] |
| CMS Leadership | Escalations only — anything that can't be resolved at operations level | [Phone / Email — provided on hire] |
The general rule: If you're not sure who to call, call the Operations Manager first. They'll route you correctly.
CMS Core Principles#
These aren't platitudes. They're the operating principles that keep loans closing and clients happy.
Compliance first, always. A rushed disclosure or a missed ECOA notice can end a loan, trigger an audit, and damage your license. When in doubt, ask before you act.
Every action gets logged. Notes in Arive aren't optional. They are your legal record. If it's not in the system, it didn't happen.
Borrowers hear from you before they have to ask. Proactive communication prevents panic. If you know something happened on a file — good or bad — tell the borrower before they call you.
Checklists aren't a suggestion. We use checklists because human memory is unreliable under pressure. Use them for every transaction, every time.
Ask for help before a problem becomes a crisis. There's no shame in not knowing something. There is shame in hiding a problem until it blows up a closing.
Portal Version 1.0 | Capital Mortgage Source | ops.cmsoregon.com © Capital Mortgage Source. Internal use only. Not for distribution.