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Charlene Johnson

Charlene Johnson

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

About

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:
MD PA VA WV

Reviews (26 Reviews)

5.0
5.0 Survey completed on October 9, 2017
Reviewed By Theresa Patton for Charlene Johnson
Completed transaction in September 2017
I have already recommended her to my daughter
5.0
5.0 Survey completed on October 6, 2017
Reviewed By James Grinnan for Charlene Johnson
Completed transaction in September 2017
We appreciated the first responder credit. We also appreciated the quick changes made per our request to make the loan outcome work best for us.
5.0
5.0 Survey completed on October 4, 2017
Reviewed By David Patton for Charlene Johnson
Completed transaction in September 2017
She completed everything in a timely fashion and was friendly doing it.
4.333
4.333 Survey completed on August 21, 2017
Reviewed By Jennifer Lowe for Charlene Johnson
Completed transaction in August 2017
Charlene's communication turn around time was instant and she helped answer so many questions me and my fiancé had down to the little things. Always made me feel important!
5.0
5.0 Survey completed on July 16, 2017
Reviewed By Matthew Monahan for Charlene Johnson
Completed transaction in June 2017
Fast responses making getting to closing smooth and easy for a first time homebuyer
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Franklin Bostic for Charlene Johnson
Completed transaction in May 2017
Love everything about her! She worked so hard to get us our dream home!
5.0
5.0 Survey completed on June 30, 2017
Reviewed By Christopher Young for Charlene Johnson
Completed transaction in June 2017
Pleasure to work with A+++++++++
5.0
5.0 Survey completed on June 27, 2017
Reviewed By William Weed for Charlene Johnson
Completed transaction in June 2017
Charlene is very responsive and customer focused, making the process easy.
5.0
5.0 Survey completed on June 27, 2017
Reviewed By Nicole Young for Charlene Johnson
Completed transaction in June 2017
Charlene was so great to work with! She was available to answer my questions day or night and she walked us through every step of the process. It really made it a less stressful experience having someone so great to work with.
5.0
5.0 Survey completed on April 24, 2017
Reviewed By Stacy for Charlene Johnson
Completed transaction in April 2017
this was a very emotional process, Charlene and Her assistant Nick, dotted every I and crossed every T and they walked me through each step! for a first time home buyer this was perfect!
5.0
5.0 Survey completed on April 7, 2017
Reviewed By None for Charlene Johnson
Completed transaction in April 2017
Charlene Johnson set the bar very high with a level of customer service rarely seen anymore these days. Contact Charlene first when you decide to apply for a home loan. My family did. Best decision we could have made. Thank you Charlene!
5.0
5.0 Survey completed on November 28, 2016
Reviewed By Kat for Charlene Johnson
Completed transaction in November 2016
Charlene is by far the most efficient, helpful, knowledgeable loan officer I have ever worked with. She was available every time I needed assistance and routinely went above and beyond to assist me with questions. My schedule is hectic, but she managed to keep everything on track for me and made sure all deadlines were met. She is a one of a kind in the very best way possible!Charlene is by far the most efficient, helpful, knowledgeable loan officer I have ever worked with. She was available every time I needed assistance and routinely went above and beyond to assist me with questions. My schedule is hectic, but she mana ...read full review
5.0
5.0 Survey completed on October 12, 2016
Reviewed By Matt McHomeowner for Charlene Johnson
Completed transaction in October 2016
As a first time home buyer, my understanding of the process was, limited. Charlene not only educated me, but led me every step of the way. She gaind my trust early on with her professionslism and honesty. I have never felt more confident about a serious purchase as i have with her and embrace. I am now unbelievably thankful to Charlene, her team and embrace home loans for helping me become the first of my family to begin the journey of homeownership. You guys are amazing thank you for everything!!!As a first time home buyer, my understanding of the process was, limited. Charlene not only educated me, but led me every step of the way. She gaind my trust early on with her professionslism and honesty. I have never felt more confident about a seri ...read full review
5.0
5.0 Survey completed on October 11, 2016
Reviewed By MykT for Charlene Johnson
Completed transaction in October 2016
Thank you
5.0
5.0 Survey completed on June 22, 2016
Reviewed By Happy home owners for Charlene Johnson
Completed transaction in June 2016
Charlene went over and above as a loan officer! She was available any hour of the day and evening any day of the week! As someone who can't take care of personal businesses during the regular working day without taking off work, Charlene was readily available to assist us with getting our loan approved in a very timely manner. She was very friendly and easy to understand. We are now home owners of a beautiful home in Washington County. I would definitely recommend her to anyone who is looking for a loan to purchase or refinance an existing home.Charlene went over and above as a loan officer! She was available any hour of the day and evening any day of the week! As someone who can't take care of personal businesses during the regular working day without taking off work, Charlene was readily ...read full review
5.0
5.0 Survey completed on January 11, 2016
Reviewed By csparis109 for Charlene Johnson
Completed transaction in January 2016
Ms. Johnson was such a blessing to work with. She exemplifies what we all want in a mortgage loan officer. She is knowledgeable of all the aspects of the loan process. And more so, she is there to answer your many questions you will have.
When my wife and I first met with her, she had been referred to us by our sales agent. At first she was just the business person we needed to get our loan. But while working with her, she became more than that...a friend. She has been there for us well after the initial completion of our loan, with answers to othe questions we had. As a result, we went to her again when we needed to refinance our loan.
My wife and I highly recommend Charlene Johnson and Embrace Home Loans for all your mortgage loan needs.
Ms. Johnson was such a blessing to work with. She exemplifies what we all want in a mortgage loan officer. She is knowledgeable of all the aspects of the loan process. And more so, she is there to answer your many questions you will have.
When my
...read full review
5.0
5.0 Survey completed on January 11, 2016
Reviewed By wilhelmfamily3 for Charlene Johnson
Completed transaction in January 2016
Very eager to help! Offers solutions and even tried to find grant money to support me in buying my first home by myself! Charlene made a very stressful and hard time in my life a little easier!!
5.0
5.0 Survey completed on June 16, 2015
Reviewed By user9634470 for Charlene Johnson
Completed transaction in June 2015
I am so impressed with Charlene's work ethic, her drive and desire to help. She was my personal guide and loan expert. Any question I came up with she was there to answer and guide me. And there were LOTS of questions! She was highly responsive, gave great advice on how to get things going and keep things moving to plan. Even when a problem popped up - as they do in the loan process - she didn't break a sweat and offered options and ways to resolve. My process went very well considering I was not the classic loan applicant. I can't thank her enough for her help.I am so impressed with Charlene's work ethic, her drive and desire to help. She was my personal guide and loan expert. Any question I came up with she was there to answer and guide me. And there were LOTS of questions! She was highly responsive, gav ...read full review
5.0
5.0 Survey completed on June 11, 2015
Reviewed By smileyhough for Charlene Johnson
Completed transaction in June 2015
I was processing the contract for one of our clients, and Charlene kept me in the loop during the whole lending process. She went out of her way to help the borrower out as well. Charlene worked hard to make sure that our client closed on time and that it was a smooth transaction. I would absolutely recommend her to anyone looking for a lender.I was processing the contract for one of our clients, and Charlene kept me in the loop during the whole lending process. She went out of her way to help the borrower out as well. Charlene worked hard to make sure that our client closed on time and th ...read full review
5.0
5.0 Survey completed on June 10, 2015
Reviewed By dcj415 for Charlene Johnson
Completed transaction in June 2015
My situation was difficult. She worked hard and got it done. I was so impressed about the communication with her. She kept me up to date daily.. I couldn't be happier!!
5.0
5.0 Survey completed on June 10, 2015
Reviewed By afreemon for Charlene Johnson
Completed transaction in June 2015
Charlene Johnson handled a re-finace for me two years ago and it could not have gone smoother.
She has continued to stay in touch, helping me with additional financial assistance and guidance as I work towards buying another house hopefully this year!
Very friendly, professional and knowledgable.
Charlene Johnson handled a re-finace for me two years ago and it could not have gone smoother.
She has continued to stay in touch, helping me with additional financial assistance and guidance as I work towards buying another house hopefully this
...read full review
5.0
5.0 Survey completed on September 10, 2013
Reviewed By user74057713 for Charlene Johnson
Completed transaction in September 2013
Charlene is very knowledgeable, friendly, & professional. She offered us some different loan options & helped us chose the best one for us. Our loan closed quickly & with no problems. Charlene is simply the best!
5.0
5.0 Survey completed on September 10, 2013
Reviewed By user4067708 for Charlene Johnson
Completed transaction in September 2013
Outstanding Customer Service throughout the process! Ms Johnson was always easliy contacted and returned requests for infomation in a timely manner!

Will use and recommend her going forward.
5.0
5.0 Survey completed on September 9, 2013
Reviewed By user49505461 for Charlene Johnson
Completed transaction in September 2013
This will be my third time financing with Charlene. She always has my back! I would gladly recommed her to anyone buying or refinancing. She pays close attention to details and works hard to get the best rates and services while treating you like her only priority.This will be my third time financing with Charlene. She always has my back! I would gladly recommed her to anyone buying or refinancing. She pays close attention to details and works hard to get the best rates and services while treating you like her ...read full review
5.0
5.0 Survey completed on September 9, 2013
Reviewed By Carolyn Chandler for Charlene Johnson
Completed transaction in September 2013
Charlene was so professional and though when I applied for a mortgage. Everything moved smoothly as she told me up front what I would need to provide. When I would call with questions she always took time to explain answers and made sure I understood the process. I purchased both my first and second home with Charlene and would not want to go anywhere else. I would highly recommend calling her if you are thinking about buying or refinancing a home.Charlene was so professional and though when I applied for a mortgage. Everything moved smoothly as she told me up front what I would need to provide. When I would call with questions she always took time to explain answers and made sure I understood ...read full review
5.0
5.0 Survey completed on September 9, 2013
Reviewed By user2402903 for Charlene Johnson
Completed transaction in September 2013
Charlene is the most knowledgeable loan officer I have had the pleasure of working with. She knows her products and the market and offers suggestions that best suit your needs. I have recommended her to many of my friends and family. She is truly the best of the best~Charlene is the most knowledgeable loan officer I have had the pleasure of working with. She knows her products and the market and offers suggestions that best suit your needs. I have recommended her to many of my friends and family. She is truly ...read full review

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