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Charlene Johnson

Maryland - Frederick

30 West Patrick St., Suite 300

Frederick, MD 21701


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 5 star rating
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender


  • 5.0

    5.0 Survey completed on April 27, 2021

    Review By Eugene K. for Charlene Johnson

    Completed transaction in April 2021

    Charlene walked us through everything we needed to know on top of us calling her constantly asking questions she was always the best she answered all questions and if we didn’t understand something g she would go through it again till we did excellent excellent service we have never had such an understanding loan officer. Charlene knows her stuff love her Thank you so much referrals are coming Eugene and Corry King

  • 5.0

    5.0 Survey completed on April 25, 2021

    Review By David D. for Charlene Johnson

    Completed transaction in April 2021

    When you work with Charlene, you will have someone who is there for you 24/7. Even after the deal is done, Char has been there for us regarding any questions that we had later on.

  • 5.0

    5.0 Survey completed on April 22, 2021

    Review By Cynthia D. for Charlene Johnson

    Completed transaction in April 2021

    This is our second time working with Charlene and we are always impressed with her professionalism, responsiveness and genuine great concern for her clients. She always has your back and is a workhorse when it comes to getting things done efficiently and correctly. No details go unnoticed, she is top-notch! I recommend reccomend her to anyone with mortgage needs.

  • 5.0

    5.0 Survey completed on April 12, 2021

    Review By Daniel C. for Charlene Johnson

    Completed transaction in April 2021


  • 4.0

    4.0 Survey completed on April 11, 2021

    Review By Doris L. for Charlene Johnson

    Completed transaction in April 2021

    I learned a lot and the whole process went smoothly.

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Home Purchases Dip, as Mortgage Rates and Prices Rise

Homebuyers took a break last week, as rates rose and prices continued their upward climb. According to the Mortgage Bankers Association, applications to purchase a home were down 3% from a week ago, marking the second consecutive week of declines. This happened as the average 30-year mortgage rate rose — from 3.17% to 3.18% —…

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