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Home Mortgage Loans
Great rates, superior service, and convenient online tools.
Conventional Fixed Rate Mortgage
The traditional 15-30 year fixed-rate mortgage has a constant interest rate and monthly payments that never change.
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.
Mortgage Refinancing
If you're looking for a better rate, consolidating debt, or planning a home improvement project, refinancing might be the answer.
VA Loans
The VA loan was designed to offer long-term financing to eligible American veterans and their spouses.
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.
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
If you’re unsure about any loan program or want to discuss your options, our qualified mortgage experts can help.
Cheryl Herrera
Buying your first home is an exciting experience. Having helped hundreds of homeowners over the years Cheryl understands how to make the loan process painless and efficient as possible for her clients. With over 30 years in the financial industry you can rely on Cheryl’s experience to find the best loan option for her clients, there is no “one size fits all” and each client’s financial goals are unique, “I take the time to listen and learn about each client”.
Cheryl is committed to giving her clients the focus and attention this life event deserves, whether purchasing your first home, or refinancing their current home.
As a Chartway mortgage professional, I uphold the highest standard for delivering the perfect client experience.
NMLS# 415217
Call: Office 757-502-8697 or Cell 757-581-7792
Email: caherrera@chartway.com
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Darryl McDaniel
With over 14 years of experience in the banking and mortgage industry, Darryl exemplifies the highest level of trust and diplomacy with every member at every level. If you’re in need of mortgage financing, you can count on Darryl to deliver the care and expertise your mortgage transaction deserves.
NMLS# 1425384
Cell: (571) 839-8342
Office: (800) 678-8765 ext. 41647
Email: ddmcdaniel@chartway.com
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Lauren Ziebold
I was drawn to working at Chartway because of the people helping people mentality and the ability to help make peoples lives more affordable. It is with that mindset that I strive daily to help our members, and members to be, uncover the right mortgage product for their needs. Whether you are purchasing a home or considering refinancing, I look forward to working with you through the process.
NMLS #1972479
Call: (800) 678-8765 ext. 12274
Email: llziebold@chartway.com
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Nicole Tirado I am committed to providing the most up-to-date ideal financing assistance to homebuyers and homeowners. I have been in the Banking industry for five years and I can make certain you will be provided every available option to find the best solution for your unique situation. NMLS #1863946 Call: (877) 319-4818 ext 12213 Email:njtirado@chartway.com Provide preliminary information and we'll get right back to you:
Tiffany Kling I am thrilled to have the opportunity to help make your life more affordable with a refinance or help fulfill your dream of becoming a homeowner. I have a passion for helping people and will work with you to find the right mortgage product to meet your financial needs. NMLS #1969347 Call: (800) 678-8765 ext. 12290 Email: tmkling@chartway.com Provide preliminary information and we'll get right back to you:
Denise Wellington
With over 20 years experience in the mortgage industry Denise has made the process of buying and refinancing homes a smooth and easy experience. "I really care about my clients. It’s not just a transaction to me it’s a relationship, it is all about trust and listening to their challenges and needs."
NMLS# 316100
Call: 757-502-8695
Email: dlwellington@chartway.com
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Dennis D'Arnall
Most of my career has been focused on fulfilling the needs of my clients. I have over 15 years’ experience in the mortgage industry, sharing my knowledge with borrowers, and helping them finance the home of their dreams. You may have many options available to you when it comes to purchasing or refinancing your home. Let us work together to find the option the works best for you and your family.
La mayor parte de mi carrera se ha centrado en satisfacer las necesidades de mis clients. Tengo mas de 15 anos de experencia en la industria hipotecaria, comparto mi conocimiento con los prestatarios y los llevo a la casa de sus suenos. Es possible que tenga muchas opciones disponobles cuando se trata de comprar o refinanciar su casa. Vamos a trabajar juntos para encontrar la opcion que major funcione para usted y su familia.
NMLS #1463226
Call: (800) 678-8765 ext. 13142
Email: dwdarnall@chartway.com
Provide preliminary information and we'll get right back to you:
Thomas Koger
"I have been serving my clients for past 18 years and I truly love what I do. My extensive knowledge with home financing has allowed me to give accurate information to customers, analyze credit, and provide exceptional customer service. Whether you're buying, refinancing, or building your dream home, you have a lot riding on your loan specialist. Everyone's story is different, so no one loan will fit everyone's needs. My job is to find that perfect fit. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional."
NMLS #259524
Call: (801) 916-0514
Email: tjkoger@chartway.com
Provide preliminary information and we'll get right back to you:
| Loan Type | Term | Rate | APR | Points | Alert Me |
|---|---|---|---|---|---|
| Fixed Rate Mortgage Purchase |
30 Years | 2.875% | 2.987% | 0.375 | |
| 15 Years | 2.125% | 2.306% | 0.250 | ||
| Fixed Rate Mortgage Refinance |
30 Years | 3.125% | 3.220% | 0.125 | |
| 15 Years | 2.250% | 2.432% | 0.250 | ||
| FHA Loan | 30 Years | 2.500% | 3.478% | 0.00 | |
| 15 Years | 2.250% | 3.191% | 0.00 | ||
| VA Loan | 30 Years | 2.625% | 2.789% | 0.00 | |
| 15 Years | 2.250% | 2.551% | 0.00 | ||
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Testimonials
"I've been a member since I was in the Navy [...].
Great service and helpful people have kept me as a member through the years."
Mark S.
Virginia Beach
Frequently Asked Home Loan Questions
The best loan for a first-time home buyer depends on your background and situation. A conventional fixed-rate loan is always a great option if you have 20% saved for a downpayment. If you have a military background, you can get 100% financing with a VA loan. We also have a special first-time homebuyers program that helps make buying a first home easier.
A home loan is a mortgage you get from a lender that loans you the money to pay for your property using your house as collateral. You must repay the loan with interest over usually 15-30 years.
Depending on the type of home loan you apply for and your lender, the minimum credit score will vary. In general, you want a score of at least 620, though some loans allow you to qualify with a credit score lower than that.
To get approved for a home loan, you need to have your finances in order to prove to your lender that you can afford your home.
Before applying, you want to have this information on hand:
- Your monthly income
- Your total monthly debts
- Your credit score
- Your maximum monthly mortgage payment
- Your down payment amount
We also have a handy checklist to help you get ready for your application. With the right information, you can go into the home buying process or refinance process prepared, which will increase your odds of approval.
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