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Finding The Right Loan Option For Your Unique Situation Is Our Expertise

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Fixed Rate Mortgage

Interest Rate and monthly payments remain the same for the entire term of the loan. Which can protect you against rising interest rates.

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FHA

FHA home Loan has lower credit and qualification standards than conventional. As a result, the FHA loan is easiest to qualify when buying or refinancing.

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VA

VA home loan is for eligible active duty, veterans, and select military spouses. More importantly, provide benefits of zero down payment, lower rates, and no monthly mortgage insurance.

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Jumbo

Jumbo Loan Easy Close program require fewer documents and have no reserve requirements. In addition, 90% financing with no mortgage insurance is an affordable option.

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First -Time Homebuyer

First-time buyer loans offer low down payments and easier credit, and income qualifications. In addition, lower rates and PMI premiums make it easy to buy your first home.

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Zero Down Payment

Zero down payment loans have strong benefits. In fact, first-time homebuyers and the re-purchase buyer are eligible. Sellers may give funds toward closing costs also.

3% Down Payment Loan
Low Down Payment Loans

Purchase with as little as 3% Down Payment. Conventional Loans offer low down payment loans, for example. In addition, gift funds and seller paid closing costs are acceptable.  Call us to advise your best option.

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Renovation and Construction

Renovation loans finance the purchase price plus the cost of renovation into one loan. While common for primary, vacation homes, and investment. This is excellent for first-time buyers also.

Alternate Credit/Income

Alternate credit and income programs for borrowers that have had recent short sales, bankruptcies, and foreclosures.  For the purpose of using cash flow to qualify, investors may apply for no income loans.

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Cash Out Refinace

You could pay off those higher-interest debts by refinancing to a lower rate. Even with less-than-perfect credit. In addition, we may be able to help you lower your monthly payment and pay off your higher-interest debt.

Refinance

Mortgage refinancing may lower your monthly payments. May add up to significant savings as a result. Therefore knowing your options is important. With this in mind,  let us help you find the right option.

Become the Preferred Buyer, Get Pre-Approved Early

Getting prequalified or preapproved is the most important first step in the mortgage process. Knowing the amount of mortgage you can afford before shopping for a home will save you time and money, above all. In addition, preparing in advance allows for a smooth and easy process. Not to mention, the seller does not know your qualifications. In that case, a pre-approval letter provided to the seller assists in obtaining an accepted contract, even for the most qualified buyer.

CharterStone Mortgage is available 7 days a week to provide a pre-qualification or pre-approval to help you get an accepted contract.

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