Mortgage Loans

Our mortgage loan officers will find the home financing that best fits your needs, budget, and lifestyle.

And they know how to make the process as simple and easy as possible. We want to get you into the home of your dreams!

Great rates, superior local service, the convenience of online tools, and a full range of mortgage loan options are what you can expect from Chartway— for your first home or your thirty-first!

Find the perfect loan type

Take advantage of easy access to personal, local assistance.

You can call or email one of our mortgage loan officers to answer any of your questions or to ask for advice at any stage of the mortgage process.

Contact a mortgage loan officer

Get advice from Chartway's friendly, knowledgeable mortgage pros.

We offer a variety of loan options, including fixed- and adjustable-rate mortgages. If you're confused about which program to choose, let us guide you. Our qualified mortgage professionals offer easy-to-understand explanations of our programs. And a loan officer is always just a call or an email away!

Request a free consultation

There’s no place like home.

Whether you’re buying or refinancing, Chartway can help you make the move.

Start your application, use the calculators and tools, or learn more about finding the best, most affordable mortgage available.

Visit the Chartway Mortgage Center

Fast pre-approvals

With a pre-approval, you can shop for your home knowing exactly what you can afford. The process is fast and easy.

Great refinancing options

If you're looking for a better rate, to consolidate debt, or are planning a home improvement project, we can help make refinancing work for you!

Quicker closings

We can get your mortgage approved in minutes— rather than days or weeks. That means you can expect to close sooner than you expected!

Today’s Rates

Mortgage Rates
  •  
Rate APR Points Alert Me
30 Year Fixed Rate 4.125% 4.16% 0.375% Receive a notification when this rate changes
15 Year Fixed Rate 3.625% 3.63% 0.000% Receive a notification when this rate changes
Click here for Required Disclosures

Home Purchase Basics

Congratulations on your decision to buy a new home! There are many important things to consider throughout the process, especially if you’re a first-time homebuyer. Here’s some basic information to help keep you on track.

A home purchase may be your largest financial transaction to date, so it's important to make the right decisions and to keep an eye on the details. With the assistance of your Real Estate Agent and Loan Officer, it should be an efficient, pleasant, and ultimately rewarding experience.

Count on Your Real Estate Agent to:

  • Negotiate the best deal for you. With a Pre-Qualification letter from us in hand, your Real Estate Agent will be able to demonstrate that you are a qualified and capable borrower. This will strongly influence the Seller, and may make the difference between the Seller accepting your offer or someone else's—even if your offer is lower!
  • Preview available homes to weed out those that are overpriced or undesirable in some way.
  • Present the homes that suit your needs as you've defined them.
  • Help you to determine the difference between a "good buy" and a property that, because of its nature (neighborhood, market appeal, etc.), might have to be discounted if you decide to sell in the future.

Count on Your Loan Officer to:

  • Assist you in selecting the best loan to meet your personal situation and goals. (This single decision can save you thousands of dollars throughout the years!)
  • Keep you informed of your loan status throughout the entire process.
  • Keep your Real Estate Agent informed of our loan progress (Note: Your personal information is always kept confidential between you and us; only deal points and progress are shared).
  • Get the appropriate loan for you at the best rates and fees. This will save you significant money up front and throughout the years to come.

Count on Yourself to:

  • Make sure you are pre-approved as early as possible. This will put the power of financing behind you so you can concentrate on selecting your home.
  • Keep your Real Estate Agent informed of any questions or concerns as they develop.
  • Keep the process moving by providing documentation and decisions as soon as reasonably possible. By doing so, many of the details are taken care of early in the process so you can comfortably concentrate on any last-minute details or events that require your attention.
  • Remain objective throughout the process in order to make the business decisions that are best for you.

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.


More Ways to Help

Frequently Asked Questions

Searching for how to make your life more affordable?

Chartway has the answers.

It’s quick and easy to find information about our services, accounts, loans, fees, branch hours, or anything else Chartway related.

We’ll search our knowledge base and give you an answer immediately. If your question stumps the search robots, you’ll have a chance to submit it to us and we’ll get back to you with the answer. Of course, you’re always welcome to call us, too. We’re on the phones 24/7.