Home Mortgage Loans: Purchase, Refi, FHA, VA, ARM

Happy couple showing keys of their new home

First-Time Homebuyer

Our First-Time Homebuyer Program offers 100% financing and no down payment, so you can step into homeownership sooner and keep your savings for what matters most. With competitive rates and affordable monthly payments, we’re here to help you open the door to your first home—confidently.

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Mortgage Options

Best for...

Today's best rate

100% Financing

Best for...

For qualified current or previous homeowners. Eligible buyers can qualify for up to 100% financing. Available in a fixed or adjustable-rate loan.

Today's Rate

6.625%

First-time Homebuyer

Best for...

For first-time homebuyers or homeowners who haven't maintained homeownership for the prior 3 years.

Today's Rate

7.125%

Hometown Heroes

Best for...

For healthcare workers, military personnel, correction officers, 911 dispatches, public utility workers, firefighters, educators, transportation workers, & non-profit employees.

Today's Rate

7.125%

Adjustable-Rate Mortgage

Best for...

ARMs are a good choice for a lower initial monthly payment or if rates are expected to go down in a few years.

Today's Rate

Fixed Rate Mortgage

Best for...

A good option if you plan to stay in your home for a while. The principal and interest portion of your payment stays the same for the term of the loan.

Today's Rate

6.625%

Veterans Administration (VA) Loan

Best for...

Mortgage or refinance for eligible veterans with no down payment or mortgage insurance requested for a home purchase.

Today's Rate

6.580%

Federal Housing Administration (FHA) Loan

Best for...

A good option for first-time homebuyer (or others) with down payment options as low as 3.5%. Purchase loans, rate/term refinances, and cash out refinances available.

Today's Rate

6.960%

Virginia Housing Development Authority (VHDA)

Best for...

Good choice for first-time homebuyers in Virginia. 30-year fixed rate and eligible borrowers can receive down payment and closing cost assistance.

Today's Rate

7.692%

Alternative Mortgage Programs

Best for...

Designed for borrowers who may not meet traditional lending requirements but have unique financial situations, such as self-employed individuals, those with irregular income, or those with recent credit events.

Today's Rate

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Free Home Buyer Workshops

Discover how simple home buying can be by registering for our free workshops today.

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Mortgage Express App

Buying a home just got easier! At Chartway, we're dedicated to making the home loan process as simple as possible for you. Whether you’re a first-time homebuyer, a homeowner looking to refinance, or a real estate agent wanting to streamline the process for your clients, the Mortgage Express Mobile App is here to make things smoother and faster for everyone involved.

Mortgages

First-Time Homebuyer

Mortgage Options

Calculate Your Fixed Mortgage Rate Payment

Free Home Buyer Workshops

Mortgage Express App