Mortgage Loans

Find the home financing that best fits your needs, budget, and lifestyle.

Choose from a variety of loan options, including fixed and adjustable mortgage rates. If you're confused about which program to choose, let us guide you. Our qualified mortgage lenders 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.

Meet our Mortgage Loan Officers

Chartway HomeAdvantage®

Search, buy, sell, and save on your next home 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:

  • Save an average of $1,500 or more off real estate commission costs
  • 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

Click to Enroll

Mortgage Loans

Frequently asked questions about home loans

What loan is best for first time home buyers

The best loan for a first time home buyer is dependent on your background. A conventional fixed-rate loan is always a great option if you have 20% saved for a downpayment. If you don't have money saved for a downpayment, you might opt for a first time home buyer loan, which lets you finance 100% of your purchase. If you have a military background, you can also get 100% financing with a VA loan.

Can you buy a house with no money down?

There are several loan options available, allowing you to get a home loan with $0 down. Our First Time Homebuyer Loan finances 100% of your purchase price without charging private mortgage insurance (PMI).

How do home loans work?

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.

What credit score is needed for a home loan?

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 in the 500s.

How do I get approved for a housing loan?

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

With this information on hand, you can go into the home buying process prepared, which will increase your odds of approval.

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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.

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Great Refinancing Options

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

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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

Table data for Mortgage Rates
 Effective 10-26-2020
Rate APR Points Alert Me
30 Year Fixed Rate 3.00 3.084 0.00 Receive a notification when this rate changes
15 Year Fixed Rate 2.500 2.649 0.00 Receive a notification when this rate changes
FHA 30 Year Fixed Rate 2.250 3.226 0.00 Receive a notification when this rate changes
FHA 15 Year Fixed Rate 2.00 2.939 0.00 Receive a notification when this rate changes
VA 30 Year Fixed Rate 2.250 2.410 0.00 Receive a notification when this rate changes
VA 15 Year Fixed Rate 2.00 2.298 0.00 Receive a notification when this rate changes
Refinance Rates Alert Me
30 Year Fixed Rate 3.125 3.200 0.125 Receive a notification when this rate changes
15 Year Fixed Rate 2.625 2.793 0.125 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.

Mortgage Loan Calculator

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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