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 percent Customer Satisfaction Rating thumbs up
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender

Reviews(54)

5.0

5.0 Survey completed on December 07, 2018

Review By Benny F. for Charlene Johnson

Completed transaction in November 2018

Charlene was so wonderful to work with! Buying a new home can be stressful but she was so kind and helpful! We highly recommend Charlene and Embrace Home Loans!

5.0

5.0 Survey completed on December 06, 2018

Review By Barbara A. for Charlene Johnson

Completed transaction in November 2018

Charlene was very professional, courteous, and easily reachable. Did not ever feel rushed when calling for information. Appeared to be very honorable and genuinely cared about me & my financial needs.

5.0

5.0 Survey completed on December 06, 2018

Review By Natalie G. for Charlene Johnson

Completed transaction in November 2018

Charlene followed up often to make sure our loan was moving forward. We were first time home buyers so we had lots of questions but Charlene was always happy to answer! We appreciate how candid she was through the entire process. She made purchasing our dream home as painless as possible!

5.0

5.0 Survey completed on November 01, 2018

Review By Charles A. for Charlene Johnson

Completed transaction in October 2018

Charlene is amazing. Proficient, professional and patient. I would not have made it through this process without her. Thanks

5.0

5.0 Survey completed on October 29, 2018

Review By Amy G. for Charlene Johnson

Completed transaction in October 2018

Charlene's support and advice were commendable. She went out of her way to make this a great experience and help us make the right decision. She's the best!

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