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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 January 11, 2022

    Review By John A. for Charlene Johnson

    Completed transaction in January 2022

    Charlene kept it simple and easy. Thanks

  • 5

    5 Survey completed on December 09, 2021

    Review By Nicholas G. for Charlene Johnson

    Completed transaction in December 2021

    Working with Charlene for the third time. She secured my first loan for our family home then assisted on our refinance and again on our third refinance. Why would i go anywhere else when i found the perfect home lender. Thx charlene, you’re truly the best your in your industry.

  • 5

    5 Survey completed on October 27, 2021

    Review By Holly G. for Charlene Johnson

    Completed transaction in October 2021

    We’ve worked with Char and Cindy in the past and we would never work with anyone else after our experience with them. It feels like we barely have to lift a finger and they always guide us to help select the best option, especially with refinancing.

  • 5

    5 Survey completed on October 27, 2021

    Review By Amy G. for Charlene Johnson

    Completed transaction in October 2021

    Her knowledge and customer service!

  • 5

    5 Survey completed on October 26, 2021

    Review By Thayree W. for Charlene Johnson

    Completed transaction in October 2021

    Our agent referred us to Charlene Johnson to work with my Fiancé and I on purchasing our 1st home ever. As you can imagine, My Fiancé and I both had plenty of questions and needed guidance during the loan process. Charlene Johnson was an amazing loan officer that went above and beyond to explain all the little details so that normal folks like us can understand what we were agreeing to. We never felt that we were being pushed to do something we didn't want to do and we were provided some straight forward answers with no sugar coating or "fluff". Charlene Johnson never had us waiting on answers, she was always on top of everything and provided us with additional information that we never thought to ask. This to me is important because it shows she wanted to make sure that we felt comfortable during the process of buying our 1st home.

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What Is a Mortgage Loan?

A mortgage is a type of loan used to purchase a home.  Since most homebuyers do not have hundreds of thousands in cash on hand, the majority of consumers use mortgage loans to purchase their properties. This allows them to spread the cost of the home out over time — often many decades. According to…

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