Buying your first home is a major milestone. It marks the beginning of a new chapter—and while it's exciting, it can also feel overwhelming. At Chartway Credit Union, we believe that becoming a homeowner shouldn't be complicated or stressful. That's why we're here to help you every step of the way with tools, guidance, and even a limited-time offer that could save you money.

Save Up to $500 with a Free Appraisal

If you're ready to take the leap into homeownership, now's a great time. For a limited time, Chartway members can save up to $500 with a free appraisal when you finance your home with us.* That means more money in your pocket to put toward decorating, furniture, or those surprise expenses that can come with a new home.

This special offer is just one of the many ways Chartway helps make homeownership simpler, faster, and more affordable.

Homebuying Support That Makes a Difference

We know that navigating the mortgage process for the first time can feel like a lot. Between paperwork, interest rates, and trying to understand terms like "escrow" and "PMI," it's easy to feel lost. But here's the good news: you don't have to navigate it alone. Chartway's team of friendly, knowledgeable mortgage experts is here to guide you through every step—from pre-approval to closing day.

We also offer:

  • 100% financing: That means no down payment is needed for qualified buyers.
  • Fast closings: You could close on your new home in as little as 30 days.
  • The Mortgage Express app: A digital tool that simplifies the entire mortgage experience. Track your application, securely upload documents, connect with your loan officer, and stay in the loop—all from your phone.

What Is a Home Appraisal & Why Does It Matter?

A home appraisal is a professional estimate of a home's market value. Lenders require it to make sure the home you're buying is worth the amount you're borrowing.

Appraisal fees typically cost several hundred dollars, so getting one for free could be a game-changer when you're already budgeting for moving costs, a home inspection, and other expenses. With Chartway's limited-time offer, we take care of that for you—up to $500.

Tips for First-Time Homebuyers

Whether you're just starting to dream or already house-hunting, here are some steps to help you feel more confident:

  • Know your budget. Use online calculators or talk to a Chartway mortgage specialist to understand how much home you can afford based on your income, debts, and goals.
  • Get pre-approved. A pre-approval gives you a clear picture of what you can spend and shows sellers you're a serious buyer.
  • Save for upfront costs. Even with 100% financing, you'll need funds for things like home inspections, moving, and setting up your new space.
  • Work with a trusted lender. Choose a partner who will take the time to explain your options and advocate for you throughout the process.

Why Choose Chartway?

At Chartway, we're more than just a lender. We're a credit union that puts our members first. That means personalized service, competitive rates, and a commitment to helping you thrive financially.

Here’s what makes us different:

  • Our member-first mindset means we’ll never treat you like just another number.
  • We offer local insights and national reach, with mortgage solutions for members across the country.
  • You can start online, through our app, by phone, or in person—whatever works best for you.

Start Your Journey Today

Ready to make your dream of owning a home a reality? Whether you’re buying your first place or just want a little help navigating the process, Chartway is here for you.

Take advantage of our limited-time offer and save up to $500 with a free appraisal when you finance your home with Chartway.*

Visit Chartway.com to learn more, start your application, or connect with a mortgage expert. Be sure to sign up for one of our Home Buyer Workshops here!

*Disclosures: “On-Us” Appraisal Offer – Chartway’s “On Us” Appraisal Offer (covering up to the first $500 in total appraisal costs for one (1) appraisal. Only available for qualifying first mortgage loans with a minimum loan amount of $250,000. To be eligible, applications must be submitted between April 1 and May 31, 2025, and approved, and the loan must close within 45 days of a completed application submission. This offer applies only to first mortgage loans and is available in Virginia, Utah, North Carolina, and Texas. Chartway membership is required prior to closing. 

A credit card may be required to cover the cost of the appraisal if the loan does not close. However, if the loan closes successfully, the appraisal fee (up to $500) will be credited back to the borrower on the final loan disclosure. The offer is non-transferable and cannot be combined with other promotions. Borrowers are responsible for any appraisal costs exceeding $500 or the cost of any additional appraisal(s). All loans are subject to credit approval, property eligibility, and program terms. Limit one “On Us” Appraisal Offer per household. Additional restrictions and limitations may apply. “On Us” Appraisal Offer and Terms are subject to change or may be discontinued at any time without notice. Please visit any Chartway branch for current rates, terms, and disclosures or for more details.

NMLS #423149 | Equal Housing Lender