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Charlene Johnson

Charlene Johnson

Loan Officer
Phone: 800-333-3004 ext. 3255
Pre-Qualify Now APPLY NOW


I love working with first time home buyers. Please call me today to get pre-approved! We will talk about options for monthly payments and go over your budget to help you buy a home within YOUR price range. I have many different loan programs to help you buy a home with Low to No down payment options.  I am happy to meet with you in person to answer all your questions and review your mortgage options. Get pre-approved BEFORE you shop for a home. Having your financing ready prior to writing an offer on a home makes a big difference.

You should know that many different offers can be presented to the Seller of the home you which to buy at the same time as yours. Make your offer stand out by being APPROVED not just prequalified.

I will walk you through the process from the beginning to settlement by calling you & sending you status along the way keeping you informed as you move through the process of buying a home, answering your calls and questions to make sure you understand what happens next in the home buying process and what is expected of you on closing day.  This is an important decision in your life choose someone who will stay in touch, keep you update to date, answer all your questions  and follow up on the details.

Looking to refinance your home?  Perhaps take money out to pay off high interest credit cards.  Maybe you are looking to shorten your term?  Go from 30 years to 15 years?

Underwater on your home?  Owe more than it is worth?  The HARP Loan program allows you to refinance your home and lower your rate or perhaps get you out of a balloon loan or an adjustable loan that is due.

Questions?  Call me I am a local lender.  I am down to earth and happy to listen to your needs.  I make evening appointments to meet your needs and timeframe.

240 674 6309  Cell / Charlene A Johnson 


Branch: Maryland - Frederick, 30 West Patrick St., Frederick, MD 21701

Charlene Johnson, NMLS# 460981 , is employed by Embrace Home Loans and is licensed in:


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