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Charlene Johnson, Integrity Home Loans Corp #460981

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United States
Frederick, MD
Charlene Johnson, Integrity Home Loans Corp #460981

Senior Loan Officer, Integrity Home Loans
Licensed in MD, VA,PA,WV #460981 Charlene grew up in Maryland in a large family that all still live fairly close by.

Charlene Johnson, Senior Loan Officer, NMLS # 460981 Embrace NMLS # 2184
Licensed in MD, VA, WV, PA
Embrace Home Loans, Frederick MD
240.674.6309/ Equal Housing Lender
[email protected]
www.embracehomeloans.com/charlene-johnson
www.nmlsconsumeraccess.org
Charlene joins the Embrace Home Loans family with a wealth of knowledge and experience. Having started out in the mortgage industry o

ver 20 years ago, she has held many different positions, including operations manager, senior loan officer, loan processor, loan closer, level 1 underwriter and post closer at a number of reputable companies. She understands the mortgage loan process and offers the best advice to her ever-growing list of repeat and referred customers. She takes great pride in helping customers climb out from under the burdens of debt and high interest payments, securing a fresh start and new financial freedom. In her spare time, she enjoys cooking, camping and movies. She also enjoys bike riding and walking in Baker Park. Just recently, she has taken up photography as a new hobby. She is passionate about charity work, volunteering when she can to the Frederick Action Community. She also supports The Humane Society and National Brain Cancer Society.

04/04/2024

Don't get confused!

Uncover the truths about home equity that can help you meet your needs today and in the future without repaying the loan monthly.

Have more questions? Lets connect to see how I can assist you today.

Charlene Alane Johnson
[email protected]
(240) 674-6309

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

04/03/2024

NEW COMMUNITY LENDING PROGRAM ENHANCEMENT

This wonderful product is now available in combination with HomeReady and Home Possible.

This program presents a fantastic option for those looking to purchase a home outside of the majority-minority census tract in eligible markets. Yes, its geographically based. And the home may be eligible for a reduced mortgage rate!

**Reach out for location eligibility details!**

• Primary Residence
• Conventional Only 30 YR Fixed
• Purchase + Cash Out Refinance
• Cash Out Refinance: Minimum Credit Score 620*
• Gift Funds Allowed

*Maximum loan amounts and credit scores are subject to specific program guidelines.

Integrity, building strong communities.

Charlene Alane Johnson
[email protected]
(240) 674-6309

04/01/2024

As a lender, we promise to never play tricks on you!

Yes, even on April Fools Day.

We take pride in always giving clients the truth about purchasing or refinancing a home.

We lead with Integrity. If you’re ready to stop being fooled by the real estate market, send us a DM.

We’ll get you the facts!

Charlene Alane Johnson
[email protected]
(240) 674-6309

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

"The great gift of Easter is hope."From all of us at Integrity, we hope you have a Happy Easter!Charlene Alane Johnsonca...

03/31/2024

"The great gift of Easter is hope."

From all of us at Integrity, we hope you have a Happy Easter!

Charlene Alane Johnson
[email protected]
(240) 674-6309

03/28/2024

Why should you work with a REALTOR®?

There are s e v e r a l reasons you should use a REALTOR®. Here are a few things that an agent who's a REALTOR® can do for you.

1. Act as an expert guide.
2. Offer objective information and oppinions.
3. Give you expanded search power.
4. Stand in your corner during negotiations.
5. Ensure an up-to-date experience.
6. Provide fair and ethical treatment.

Charlene Alane Johnson
[email protected]
(240) 674-6309

03/27/2024

We're spilling the tea (or coffee)...

Don't break the bank! Get pre-approved before you start house hunting. This helps you set a realistic budget and shows sellers you mean business when making an offer.

By focusing on your budget and monthly payment, you're better prepared to handle potential rate changes in the future without feeling financially stretched. Refinancing is always an option.

We're here to be your lifelong lender.
Charlene Alane Johnson
[email protected]
(240) 674-6309

03/26/2024

Did you know the seller can pay a portion of closing costs? Seller-paid closing costs (or seller concessions) are money paid toward the closing on your behalf.

There are exceptions to the rules, but the maximum allowable seller concessions by loan program are as follows.

• FHA loans: up to 6%
• USDA loans: up to 6%
• VA loans: up to 4%
• Conforming (Fannie Mae and Freddie Mac) loans: up to 3-9%, depending on down payment
• Investment properties: up to 2%

It’s important to remember that sellers are not going to just pay for your closing costs as a kind gesture. The amount is built into the sales price. It’s okay if the seller gets a higher sales price in exchange for covering your closing costs, as long as the property appraises for at least the sales price.

Consult with your real estate agent when negotiating your sales purchase.

Charlene Alane Johnson
[email protected]
(240) 674-6309

*All assistance is provided in compliance with FHA guidelines.
*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

03/21/2024

Although these loans are similar, they’re not the same! It's important to know the differences.

If you already have a mortgage, a home equity loan or a HELOC will be a second payment to make, while a cash-out refinance replaces your current mortgage with a new one — complete with its own term, interest rate and monthly payment.

HELOCs usually come with an adjustable rate, so your monthly payments will vary.

A cash-out refinance replaces your original mortgage with an entirely new loan that's greater than what you currently owe. The difference between the current loan amount and the new loan amount provides the "cash out."

And though rates for cash-out refinances are generally higher than for rate and term refinances, your interest rate will still probably be lower than a home equity loan or HELOC rate.

Connect with us for more details to see if a cash out refinance might be right for you.

Charlene Alane Johnson
[email protected]
(240) 674-6309

03/19/2024

Did you know we offer reverse mortgages?

Reverse for Purchase (R4P) is a strategic tool that allows adults 62+ to increase buying power for a new home while eliminating required monthly mortgage payments.

A Reverse for Purchase can give you more control over where you spend the years that matter most.

Program Requirements:
· Must meet all loan obligations, including using the property as your primary residence.
· Must pay property charges including first mortgage payment, property taxes, fees, and hazard insurance.
· Must maintain the home

Learn more at www.ReverseWithIntegrity.com

Charlene Alane Johnson
[email protected]
(240) 674-6309

03/17/2024

Cheer to turning properties into four-leaf clovers and bringing the luck of the Irish to the closing table on every deal!

Happy St. Patrick's Day!

Charlene Alane Johnson
[email protected]
(240) 674-6309

03/14/2024

Many buyers don’t have a down payment saved, but they make plenty of income.

As a matter of fact, several people may make too much money to qualify for other down payment assistance options.

Does this sound familiar?
If so, this program might be for you!

Program Highlights:

-NO income limits
-NO down payment
-600 minimum credit score

Let's chat about your options!

*All assistance is provided in compliance with FHA guidelines.

*Integrity Home Mortgage Corporation is not affiliated with or acting on behalf of or at the direction of FHA or the Federal government.

Charlene Alane Johnson
[email protected]
(240) 674-6309

03/12/2024

Mortgage Myth! You can't get a mortgage if you're self-employed?

Self-employed borrowers represent an underserved market in the mortgage industry.

Business owners typically have substantial tax write-offs that make it challenging to demonstrate the necessary income to prove their ability to repay the loan.

We have options for full documentation loans or a bank statement loan. The bank statement loan allows for alternative documentation instead of using tax returns and W-2s in the qualification process. Bank statements show the true cash flow of their business.

Have questions? Ready to get pre-approved? We are here to help!

Charlene Alane Johnson
[email protected]
(240) 674-6309

Address

Frederick, MD
21701

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

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