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
Better Business Bureau logo
Inc 5000 Fastest Growing companies
Scotsman Guide Top Lender



5.0 Survey completed on November 07, 2019

Review By Vincent R. for Charlene Johnson

Completed transaction in October 2019

Charlene made this a pleasure to do. I was treated like family not a customer. She was so attentive and professional. I believe she went above and beyond to take care of me. I can not thank her enough. Thanks for having someone that fantastic


5.0 Survey completed on October 28, 2019

Review By Roger S. for Charlene Johnson

Completed transaction in October 2019

From start to finish, Charlene was extremely helpful, attentive, and involved in the whole process. She made it possible for us to obtain a loan and purchase our dream home under tricky circumstances, but her guidance made the process seem seamless. I would highly recommend her to anyone. She was recommended to us through a trusted friend and we are very happy with her expertise.


5.0 Survey completed on October 13, 2019

Review By Jordan M. for Charlene Johnson

Completed transaction in October 2019

Charlene went above and beyond taking us through the whole process. She always made sure we understood everything and would take are phone calls and emails right away. She always was on top of everything!


3.0 Survey completed on October 06, 2019

Review By Joseph A. for Charlene Johnson

Completed transaction in September 2019

I felt that a lack of communication and instructions led to a scramble of reworking numbers one week before my wife and I were to close on our new house. After we had been informed and believed that the numbers had all been worked out months ago. The experience was good until that week before closing where everything seemed to fall apart. If not for us requesting a new Agent from Embarce who essentially took over and reworked our numbers I’m not sure how we would have closed on our new house


5.0 Survey completed on September 11, 2019

Review By Nicholas G. for Charlene Johnson

Completed transaction in August 2019

Charlene was always available to answer our myriad of questions. We know she had our best interest at heart because of the way she structured our refinance. Charlene made the process painless for us and stayed on top of us to complete our paperwork to ensure the loan went through as scheduled. We would absolutely recommend Charlene and Embrace to anyone!

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