Simple, Local, and Built Around You
Buying a home is one of the biggest milestones in life, and at Chambers Bank we’re here to help make the process easier. Our Real Estate Loans are designed to fit your needs—whether you’re purchasing your first home, upgrading to your dream house, or refinancing your current mortgage. With competitive rates, flexible terms, and a local team that understands your market, we’ll guide you through every step with personal attention and expert advice. At Chambers, we’re more than your lender—we’re your partner in building a place to call home.
Loan Options We Offer
- Home Purchase Loans - Competitive rates and personalized terms for your primary residence, second home, or investment property. Good fit when you want: predictable payments, local decisioning, and a smooth closing.
- Refinance Loans - Lower your payment, change your term, or tap home equity with a cash-out refinance. Good fit when you need: monthly savings, debt consolidation, or funds for projects.
- Construction Loans - Unlike a traditional mortgage, this short-term loan is designed to cover the costs of building your home—such as materials, labor, permits, and land improvements—during the construction phase. Funds are typically disbursed in stages, or “draws,” as the work is completed, helping you manage expenses and keep your project on track.
Why Borrow with Chambers Bank
- Local service, fast decisions: Work with lenders who know your market and move quickly.
- Clear, proactive communication: You’ll always know what’s next and who’s doing what.
- Easy online + human help: Secure document upload and friendly lenders on call.
How the Process Works
- Get pre-qualified - We review your goals and basics (income, assets, credit) to estimate a comfortable price range.
- Apply and upload docs - Provide ID, pay stubs/W-2s or tax returns, bank statements, and property details.
- Processing & appraisal - We verify information, order the appraisal and title work, and keep you posted with status updates.
- Underwriting decision - We finalize your approval and conditions, then prepare closing disclosures.
- Close and move in - Review final figures, sign, fund—and get the keys.
Typical documents: Government-issued ID, two most recent pay stubs, three years of W-2s or tax returns, two months of bank statements, insurance details, purchase contract/build plans, and any other documents requested by your loan officer.
Rate & Payment Factors (What Affects Your Offer)
- Credit profile and history
- Loan amount, term, and loan-to-value (LTV)
- Occupancy (primary, second home, investment)
- Property type and location
- Market conditions at time of lock
Meet Our Registered Mortgage Loan Originators
- Carol Annette Ford, NMLS# 1197751
- Janie Graves, NMLS# 638412
- Stacey Hottinger, NMLS# 1156834
- Paula McCormick, NMLS# 1435620
- Frankie Watson, NMLS# 791637
Prefer to speak with someone specific? Call 1-800-603-1226 and ask for any of the above loan officers by name.
Real Estate Loan FAQs
Q. What’s the difference between pre-qualification and pre-approval?
A. Pre-qualification is an estimate based on the information you share. Pre-approval verifies your income, assets, and credit—making your offer stronger with sellers.
Q. How much do I need for a down payment?
A. Down payments vary by loan type and credit profile. For in-house real estate loans, we require a minimum down payment of 10.1%. We also offer secondary market mortgage loans that may have lower down payment requirements.
Q. When should I lock my rate?
A. You can lock after application once a property is identified. We’ll review current markets and lock windows to help you choose the right time.
Q. What are typical closing costs?
A. Expect 2%–5% of the purchase price, depending on loan type, location, and third-party fees (appraisal, title, recording, escrow).
Q. Can I roll closing costs into the loan?
A. Sometimes—options depend on appraisal value, LTV, and program rules. We’ll outline the pros and cons.
Q. Do you offer construction loans?
A. Yes—we can help you with your construction loan and then assist you in choosing the best mortgage for your needs after your construction is complete.
Ready to get started?
- Schedule a 15-minute call with a mortgage specialist
- Email us at [email protected]
- Find a branch near you to meet in person
Chambers Bank, SAFE Act registration #631520
Equal Housing Lender
All loans subject to credit approval. Not all applicants will qualify. Terms and conditions apply.