Partners Lending
Correspondent Lending
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Charter offers our correspondent customers a complete range of mortgage products that satisfy the demands of hard-won customers and allow you to develop loyal, relationship-oriented customers in the face of a fiercely competitive marketplace.
By purchasing your real estate loans, Charter Bank helps grow your mortgage lending business without the need for significant investment in systems or operational infrastructure. Charter Bank already services over $2 billion in mortgage loans.
We understand the mortgage lending needs of customers like you. Let our experience deliver profitable solutions to you.
Charter Wholesale Lending
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Building mutually profitable relationships with brokers has always been important to our success. That's why we make it as easy, hassle-free and rewarding as possible for brokers to work with us. Charter Mortgage also offers brokers some distinct advantages over other lenders.
Local Advantage
Local ownership allows Charter to give you the quick decision and fast turnaround you need. Local processing, underwriting and closing make it easier for you to respond quickly to your customers' needs.
- Local decision making
- Fast turnaround
- Quick closings mean you get your fees faster
- Local service from people who are easy to work with
- Local pricing, competitive quotes
- Atypical properties evaluated case-by-case
- We handle the paperwork
Brand Advantage
Charter is a recognized Mortgage leader. In fact, more home buyers choose Charter Mortgage than any other lender in New Mexico. That's something your customers will appreciate.
- Largest mortgage company in the state of New Mexico
- Serves more than 30,000 mortgage customers
- Local loans for local customers benefit the local economy New Mexico
- Brokers can lend in Colorado, Idaho, Arizona, Texas with license or registration
- No solicit clause to borrowers
- $120 million in commercial loans last year alone
- Commercial mortgage loans up to $50 million
- Financing for office, industrial, retail and multi-family properties
Product Advantage
Charter offers a flexible range of competitively priced conforming and non-conforming mortgage loan products to help you meet your customers' needs. As Master Servicer and approved lender for the New Mexico Mortgage Finance Authority (MFA), we can provide financing for low-income, first-time home buyers. We can also create customized financial solutions when an existing product won't do the job.
- Government loans (Fixed and ARM)
- Conforming conventional fixed-rate loans
- Jumbo loan program
- Hybrid adjustable rate mortgages
- Option ARM
- Commercial mortgage loans up to $50 million
- Approved MFA lender
- Interest-only loans
- Lot loans 2nd mortgages
- Construction loans
- Charter Choice Portfolio and Expanded Guideline products
Servicing Advantage
When you choose Charter, you can assure your customers that the loan you find for them won't be sold next month–or next year. Charter Mortgage retains the servicing on virtually all of the loans it originates, providing your customers with easy, personal, local access to their mortgage information.
- Ranked among the nation's top 50 servicers
- Servicing more than $3 billion in residential mortgage loans
- Charter offers Insurance, Banking and Mortgages to meet all of your customer's needs
- Only locally owned and operated New Mexico mortgage banker that securitizes and services residential mortgage loans
