About Us

CharterStone Mortgage

About CharterStone Mortgage

At CharterStone Mortgage, we’re committed to providing outstanding customer experiences through our highly personalized lending services. Our team is fully capable of delivering a 100% digital mortgage process from application to closing without requiring you to send documents. We simplify every aspect of your experience with award-winning technology, personal guidance, and advice.

CharterStone is uniquely positioned with the latest technology and digital resources the lending industry has to offer. As a result, you’ll reach closing far faster than you would with our competitors. Closing can occur within 2 to 2.5 weeks for purchases and as little as 7 days with refinances.  

As our customer, you can benefit from this efficiency with lower rates and smaller fees. We provide you with the best of both worlds, enabling you to decide the level of technology and personal guidance that best suits your preferences.


Keeping you informed at every step of the mortgage process is one of our main priorities. Our aim with every loan is to issue email updates to borrowers and interested parties after every completed step. Plus, we’ll text, email, or call with any additional updates to keep you up-to-date on your progress. The team at CharterStone Mortgage is available 7 days a week at your convenience to answer any questions you may have, from application to close and throughout the term of your loan.

Loan Programs

CharterStone Mortgage provides a comprehensive array of online mortgage loans, including:

  • Conventional
  • FHA
  • VA and VA Jumbo
  • USDA
  • Jumbo
  • First-Time Buyer
  • 100% financing
  • Down Payment Assistance
  • Low Down Payment programs
  • Non-Traditional Credit and Income Programs
  • Condotels or condo hotels

We also provide renovation loans for primary, secondary, and investment homes under our Conventional, FHA, and VA renovation programs. Please visit our Loan Options page to learn more about our competitive rates and personalized lending services.

We Close More Loans

The majority of direct lenders and banks maintain a conservative approach to protecting their financial interests while selling funded loans. As a result, they may add restrictions to minimum guidelines. This limits their number of approvals. They may claim to follow minimum agency guidelines, but they may simply be their minimum guidelines – if this happens to you, call us and let us help. At CharterStone Mortgage, we have access to guidelines from multiple sources that follow the minimum guidelines and close loans that others cannot. Our experience, resources, and relationships make all the difference. We’re able to close a greater percentage of applications for borrowers while going the extra mile on every loan process.

In addition, we provide a diverse number of loan programs to fit every borrowers’ financial needs. In doing so, our team can discover the best loan programs for our client’s needs without the usual restrictions. This allows us to provide more opportunities for approvals to Conventional, Jumbo, FHA, VA, USDA, and non-traditional credit/income programs. Where some lenders may not provide renovation loans, CharterStone Mortgage can move a loan from a standard application to a renovation loan and close on the contract date – a huge benefit should an inspection on the purchase contract find necessary repairs. In other words, we have the options and flexibility to move quickly, provide solutions, and go the extra mile to make your dream of homeownership a reality.


David Barrett, the President of CharterStone Mortgage, started his career in the financial industry in 1985 as a stockbroker and became a managing partner of a securities firm. In 1996, he began his mortgage industry career and opened a brokerage in 1999. He was re-licensed in 2011 under the then-new rules set forth by Dodd-Frank and worked for two national lenders. As a result of this long history of experience, David has built a remarkable foundation of knowledge and relationships within the mortgage industry. He always appreciates the opportunity to apply his expertise to help borrowers find the best solution and make it happen. He believes honesty, integrity, and working for our customers’ best interests are the non-negotiable core values of the company.

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We are avaialble 7 days a week by phone, to meet in person or apply on line.

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