About Us

CharterStone Mortgage


CharterStone Mortgage provides an outstanding customer experience through personalized service with the industry’s leading technology. Capable of a 100% digital mortgage from application to closing. You don’t need to send documents. We make it easy. We use several investor sources for each loan program allowing the best opportunity for approvals. 

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. Loan officers have direct access to underwriters, access to send applications, the closing disclosure and closing documents to title. Others lenders use a disclosure department slowing the entire process. You may even close the same day you receive a clear to close from underwriting. 

On-line application with an On-line closing option is makes the process fast and convenient.  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, Down Payment assistance and Low-down payment, Alternate Credit/Income programs. In addition, renovation loans for primary, second home, and investment under Conventional, and FHA and VA renovation programs. We offer competitive rates and personalized service.  Please see our loan options and find the details there.

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 to qualify.  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 may 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.

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


Call us today

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

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