Mortgage Loans

With Chartway, you'll always get great rates, superior local service, and convenient online mortgage tools. Choose from a variety of home loan options, including Conventional VA, FHA, and fixed and adjustable rate mortgages.

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For a limited time, we’ll pay $1,000 toward your closing costs!*

Earn $1,000 toward closing on all new home purchases.*

*$1,000 closing cost reduction applied at closing. Eligible purchase loans must close no later than December 31, 2021. All new conventional purchase applications on or after September 15th are eligible with or without purchase contract. Any existing conventional purchase applications already in process but without purchase contract as of September 15th are eligible.

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Conventional Fixed Rate Mortgage

The traditional 15-30 year fixed-rate mortgage has a constant interest rate and monthly payments that never change.

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First Time Home Buyer Options

The First-Time Homebuyer loan is designed to help more people enjoy homeownership. With as little as 3% down homebuyers can finance their first home purchase.

a couple refinances their mortgage

Mortgage Refinancing

If you're looking for a better rate, consolidating debt, or planning a home improvement project, refinancing might be the answer.

a military family uses a VA loan to buy a house

VA Loans

The VA loan was designed to offer long-term financing to eligible American veterans and their spouses.

a couple signs their FHA home loan documents

FHA Home Loan

FHA Insured loans offer fixed rate financing options for First Time Homebuyers as well as streamlined refinancing for current homeowners. FHA insured loans provide more flexibility such as lower down payments and some relaxed qualifying standards.

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Hybrid ARM (5/1 ARM, 5/5 ARM)

Hybrid ARMs (Adjustable -Rate Mortgage) are increasingly popular—also called 5/1 or 5/5—they can offer the best of both worlds: lower interest rates (like ARMs) and a fixed payment for a longer period than most adjustable -rate loans.

Let’s Get Started

Step 1

Meet Our Loan

Step 3

Get Pre-Qualified

If you’re unsure about any loan program or want to discuss your options, our qualified mortgage experts can help.

Table data for Home Loan Rates
Loan Type Term Rate APR Points Alert Me
Fixed Rate Mortgage
30 Years 3.500% 3.603% 0.250
15 Years 2.750% 2.910% 0.125
Fixed Rate Mortgage
30 Years 3.500% 3.603% 0.250
15 Years 2.750% 2.910% 0.125
FHA Loan 30 Years 3.000% 3.982% 0.00
15 Years 2.625% 3.569% 0.00
VA Loan 30 Years 3.250% 3.431% 0.00
15 Years 2.875% 3.202% 0.00

Estimate Your Monthly Payments

Loan amount

Loan term (years)

15 30

Loan rate

The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.


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Virginia Beach

Frequently Asked Home Loan Questions

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