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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

    5 Survey completed on September 20, 2021

    Review By James D. for Charlene Johnson

    Completed transaction in September 2021

    Charlene was there for every step, and answered all questions promptly. Great communication, and great experience.

  • 5

    5 Survey completed on September 14, 2021

    Review By Joel H. for Charlene Johnson

    Completed transaction in August 2021

    Charlene helped me compete in a tough market, made the closing process smooth, and delivered with a fantastic interest rate. Thank you Charlene!

  • 4

    4 Survey completed on August 14, 2021

    Review By Lisa W. for Charlene Johnson

    Completed transaction in August 2021

    I choose Embrace because of it's top reviews. Charlene worked really hard for me. I wanted to get rid of my previous lender but Charlene went above and behind that and was able to save me a ton of money with my new loan. Embrace communicated with me every step of the way and Charlene always followed up. If there was an issue she was on it immediately.

  • 5

    5 Survey completed on August 06, 2021

    Review By David C. for Charlene Johnson

    Completed transaction in July 2021

    Charlene was fantastic! Very patient, hard working and sweet. We loved working with her and would recommend her to everyone

  • 5

    5 Survey completed on June 29, 2021

    Review By John V. for Charlene Johnson

    Completed transaction in June 2021

    We loved Charlene so much that we became repeat customers! She will walk you through the loan and refinance process step by step. Explaining anything that you do not understand so that you do understand the process. Charlene will give her all. Many thanks to her for providing a service that goes above and beyond.

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What Is a Title Company and What Do They Do?

Home buying is complicated, and in order to do it successfully (not to mention legally), a number of professionals will need to play a role. These include a mortgage lender, a loan officer, a real estate agent, an attorney, an appraiser, a surveyor, an inspector, and a title company. That last one is often the…

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