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Financing the home of your dreams with local, personalized service.

Charter Bank strives to make the home buying process smooth and worry free, whether you are purchasing your first home, moving to a larger home, or need to refinance your existing mortgage. 

With our lenders and loan programs, we walk you through the entire home buying process and are able to look at your entire situation, not just your numbers, to make our lending decisions.


At Charter Bank we offer:

  • Competitive interest rates and closing costs
  • Prompt, local loan approval
  • Local servicing on some loan products
  • Various loan types including a Physicians Home Mortgage program
 
 
 
 

Taking out a mortgage loan is a big undertaking! Whether you’re a first-time home buyer, or a seasoned home buying veteran, the Mortgage Loan experts at Charter Bank are ready to help you finance the right home for you.

We offer many types of loans, including:

Loan Type Benefits Consider if you...

Fixed Rate Loan

(15-, 20-, and 30- year)

  • Fixed rate for eligible buyers
  • No interest-rate surprises
  • Plan to keep the property for a substantial amount of time
  • Have a good credit score
  • Can put 10% down
Adjustable Rate Mortgage
  • Low short-term rates
  • Initial lower monthly payments
  • Initial rate locked for 3 years, then rates can adjust
  • Plan to move within the next few years
  • Have a good credit score
  • Can put 20% down
Jumbo Loans
  • Higher purchase limits for higher priced properties
  • Competitive rates
  • Fixed-rate and Adjustable-rate options
  • Are buying a home that exceeds traditional loan limits ($510,400 in most areas)
  • Have good credit
  • Low down payment options
Bridge Loans
  • Flexibility to purchase a new home while your current home is placed on the market
  • You are trying to sell your current home while purchasing another
New Construction and Lot Loans
  • Financing for new construction
  • Transition from construction to permanent loan
  • Are building a new home
  • Are buying a lot for a future home

   

Don’t see what you’re looking for?  Give us a call.  We’d love to hear what type of property you are looking at.  We may have a loan that fits your needs!

 

Meet Our Mortgage Bankers