At Home in CMS: CMS Home Loan Program

CMS is Making Home Buying Easier

Charlotte-Mecklenburg Schools is launching At Home in CMS, a comprehensive initiative designed to remove one of the biggest obstacles keeping educators out of the housing market: student loan debt. Through this program, CMS educators gain access to a coordinated partnership between LoanSense and PRMG that tackles debt head-on while opening doors to homeownership. LoanSense works to restructure your student loans and reduce your monthly payments, directly improving your financial profile. PRMG, as the mortgage lender in this collaboration, leverages those improvements to evaluate your true affordability and help you qualify for a mortgage that works for your situation.

What makes At Home in CMS different is the seamless coordination between these partners. Rather than navigating student loan refinancing and mortgage applications separately, often with disappointing results, you get a unified approach designed specifically for educators like you. PRMG and LoanSense work together from day one, ensuring that as your student loan debt is restructured, your mortgage eligibility increases. The result is a clear path to homeownership that addresses the real financial barriers educators face, making it easier than ever to afford a home in Charlotte-Mecklenburg.

Crush debt. Buy your dream home.

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See how one educator restructured their student loans through LoanSense and unlocked $150,000 in additional home buying power—turning homeownership from a dream into reality.

Who This Program is For

This program is designed for Charlotte-Mecklenburg Schools educators who are burdened by student loan debt and seeking a clear path to homeownership. Whether you're a first-time homebuyer struggling with how student loans impact your mortgage qualification, a teacher concerned about your debt-to-income ratio, or an educator who's been told "no" by other lenders, this program offers a solution tailored to your situation. At Home in CMS is especially valuable for educators seeking to reduce their monthly student loan payments, increase their home buying power, and finally achieve the stability that comes with owning a home.

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What’s Included

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Student Loan Restructuring

Reduce your monthly student loan payments and improve your debt-to-income ratio through LoanSense's restructuring program, making it easier to qualify for a mortgage.

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Mortgage Readiness Planning

Gain access to comprehensive financial guidance and homeownership education designed specifically for educators, helping you prepare for every step of the home buying process.

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Increased Home Buying Power

By lowering your student loan payments, you unlock additional purchasing power—allowing you to afford a home that previously seemed out of reach.

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Partnership Support

Work with PRMG, a mortgage lender committed to educators, and LoanSense, a student loan advisory firm, coordinated to streamline your path to homeownership.

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If you’re interested in learning more or enrolling in these program benefits, please complete the form below

At Home in CMS is a collaborative partnership between Charlotte-Mecklenburg Schools, LoanSense, and PRMG designed to help educators explore homeownership by addressing student loan debt. This program does not guarantee mortgage approval or specific loan terms—qualification depends on individual financial circumstances, credit profile, and underwriting criteria evaluated by PRMG. Student loan restructuring results vary by individual situation, and lowering monthly payments may extend your repayment timeline. Please review all terms carefully and consult with a financial advisor before making homeownership decisions.

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