Charlene Johnson

Maryland - Frederick

21701

30 West Patrick St., Suite 300

Frederick, MD 21701

240-415-7111

About Charlene

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.

98% Customer Satisfaction Rating
Zillow Icon
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender

Reviews(93)

5.0

5.0 Survey completed on June 22, 2020

Review By Joanne R. for Charlene Johnson

Completed transaction in June 2020

Charlene was available when I had questions, and kept me informed of the whole process. It was wonderful to work with someone who is looking out for you and what you need.

5.0

5.0 Survey completed on June 06, 2020

Review By Sean W. for Charlene Johnson

Completed transaction in May 2020

Charlene Johnson!! Best loan officer ever!

5.0

5.0 Survey completed on June 05, 2020

Review By Robert G. for Charlene Johnson

Completed transaction in May 2020

With COVID-19 in play, Charlene did an excellent job of getting our application and refi through the road blocks.

5.0

5.0 Survey completed on May 23, 2020

Review By Andrea H. for Charlene Johnson

Completed transaction in May 2020

Charlene is great!!!!

5.0

5.0 Survey completed on May 05, 2020

Review By Sarah P. for Charlene Johnson

Completed transaction in April 2020

Charlene was wonderful, and went above and beyond my expectations. She is very responsive, always getting back to me quickly. She explained every step of the process in detail to make sure I was making an informed decision in buying my first home. She is efficient, getting me closed on time even during a pandemic! I would recommend Charlene and Embrace to anyone!

8 Gift Ideas for Welcoming a New Family to the Neighborhood
8 Gift Ideas for Welcoming a New Family to the Neighborhood

Welcoming a new family to the neighborhood is always a nice thing to do and, when you’re ready to say hello, it’s a good idea to arrive with a small gift. Here are eight gift ideas that you can use to make your new neighbors feel right at home. Read them over to get a…

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