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Home Mortgages
Great rates, superior service, and convenient online tools.
Find the home financing that best fits your needs, budget and lifestyle.
Choose from a variety of loan options, including fixed-rate 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. A loan officer is always just a call or an email away! Great rates, superior local service, the convenience of online tools, and a full range of mortgage loan options are what you can expect from us.
Chartway HomeAdvantage®
Search, buy, sell and save on your next real estate purchase! HomeAdvantage is a free online tool that makes buying a new home or selling your existing one simple and easy. All at no cost to you. The benefits include:
- Get up to $1,500 in cash rewards
- Get help finding experienced, reliable real estate agents near you
- Search for & save homes you're interested in
- Get customized alerts for new homes as they become available
- Plus many more resources
Mortgage Loans
Our First-Time Homebuyer loan offers 100% financing with no down-payment or private mortgage insurance. You may be eligible for a First-Time Homebuyer loan if you've never owned a home. You may also be eligible for a First-Time Homebuyer loan if you haven't been an owner in a primary residence for at least three years leading up to your purchase.
Learn More About First Time Home Loans
*The First-Time Homebuyer Program is available in VA, NC, UT, and TX.
The traditional 15-30 year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper. As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan. The shorter the term, typically the lower the fixed interest rate.
An FHA insured loan is a US Federal Housing Administration mortgage insurance backed mortgage loan which is provided by a FHA-approved lender. FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford.
The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry). The basic intention of the VA direct home loan program is to supply home financing to eligible veterans in areas where private financing is not generally available and to help veterans purchase properties with no down payment.
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 of time than most adjustable rate loans. For example, a "5/1 loan" has a fixed monthly payment and interest for the first five years and then turns into a traditional adjustable-rate loan, based on then-current rates for the remaining 25 years. It's a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.
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
| Rate | APR | Points | Alert Me | |
|---|---|---|---|---|
| 30 Year Fixed Rate | 3.25 | 3.407 | .875 | Receive a notification when this rate changes |
| 15 Year Fixed Rate | 3.000 | 3.282 | .875 | Receive a notification when this rate changes |
| 5/1 ARM Rate | 4.000 | .000 | Receive a notification when this rate changes | |
| 5/5 ARM Rate | 4.125 | .000 | Receive a notification when this rate changes | |
| Click here for Required Disclosures *A $250,000, 30 year mortgage loan at 4.875% APR will have estimated monthly payments of $1,323.02. Payment does not include applicable taxes and insurance. | ||||
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Mortgage Loan Calculator
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Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data shows 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.