skip to Main Content


CharterStone Mortgage provides an outstanding customer experience through personalized service with high tech tools. The goal is to achieve a 5- Star rating from each loan applicant.

Positioned with the latest technology and digital processes the industry has to offer.  Accordingly, the processing time is a fraction of other competitors. Therefore, we close fast. In Addition, there is no waiting to send closing disclosures and closing packages. A high level of customer satisfaction is the result.  CharterStone Mortgage consistently outperforms the competition. Constant improvement is a motivating factor in daily operations. In addition, continued education for changing guidelines and new loan programs is also a priority.

On-line application with On-line closing option is available. It is possible to never leave your home or office through the entire process. Call us to find out how.


Keeping you informed is a priority. As a result, we let you know the progress every step of the way. Email updates at each completed step are sent to borrowers and approved interested parties. In addition, we will text, email or call with any other updates. More importantly, we are available 7 days a week at your convenience to answer all your questions. Once the loan closes, we continue to be there for you. We will help and advise through the term of your loan.

Loan Programs

CharterStone Mortgage provides Conventional, FHA, VA, USDA, Jumbo, First-Time Buyer, Zero and Low-down payment, Alternate Credit/Income programs. In addition, renovation loans for primary, second home, and investment under Conventional, and Primary under FHA and VA programs. We offer competitive rates and personalized service.  Please see our loan options and find the details there. We are the Local Experts, experienced in financing historic and coastal properties.

We Close More Loans

Most direct lenders and banks are more conservative to protect their financial interest when selling funded loans.  As a result, they may limit the Debt to Income ratios. In addition, may not allow certain types of income or assets.  They may claim they are minimum guidelines. However, they may not be. CharterStone Mortgage has access to guidelines from multiple sources. We are not subject to the in-house restrictions that other lenders and banks often have.  As a result, we can close a greater percentage of applications. We go the extra mile to perform for our borrowers.

We seek out the best loan programs for our client’s needs without restriction. Providing multiple sources for conventional, jumbo FHA, VA, USDA and Alternate Credit/ Income programs. As a result, we provide more opportunity for approvals than the other guys.  For example, some lenders do not provide renovation loans.  CharterStone Mortgage can move a loan from a standard application to a renovation loan and close on the contract date. This is helpful should an inspection on purchase contract find required repairs.  Other lenders and banks may not have that option or flexibility to move quickly. We have the solutions, ability and go the extra mile to make home ownership a reality.


The President of CharterStone Mortgage, David Barrett, started his career in the financial industry as a stockbroker in 1985.  He began his mortgage career in 1996 and opened a mortgage brokerage business in 1999. Re-licensed in 2011 under the then new rules set forth by Dodd-Frank Bill and worked for two nation lenders.  His experience and knowledge are substantial.

David is adamant about knowing guidelines of various loan programs as well as an underwriter. Access to numerous programs with various investors allows access to guidelines and programs that a single direct lender does not have.  This results in more approved loan applications, including loans declined by other direct lenders.

His work ethic is unmatched and is available 7 days a week to assist anyone needing mortgage information, a pre-qualification, pre-approval or to proceed with an application.

Always appreciative of the opportunity to help find the solution to your mortgage needs.

Check out our reviews and see what our clients think of us. Our blog provides helpful articles for a variety of subjects relating to home ownership. Our online mortgage application is easy to use pull credit and find out what is the best loan program for you. The form is a securely encrypted to protect your privacy. page.


Back To Top