Business Details
34 Years
experience
Your Trusted Mortgage Broker in Medina, Ohio
CHM Lending, established in 1992 and headquartered in Medina, Ohio, has built a reputation as a trusted mortgage broker with over 45 years of combined industry experience. Our team specializes in delivering tailored mortgage solutions, including Conventional, FHA, VA, USDA, Construction, and Renovation loans, while prioritizing a common-sense approach to client needs. By collaborating with multiple lenders, we secure competitive rates and costs, ensuring personalized service that aligns with individual financial goals.Recognized as Best of The Best in Medina County in 2017 and 2018, we leverage advanced technology to streamline the mortgage process, maintaining transparency and reliability throughout every transaction. Our commitment to ethical practices and customer-centric values has solidified our position as a leader in the local mortgage market.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Construction Loans
Renovation Loans
Investment Loans
Refinance Loans
Cash-Out Refinance
Vacation Home Loans
Details
- Year established: 1992
Highlights and features
- We have over 45 years of combined experience in the mortgage industry.
- We use a common-sense approach with all clients.
- We work with multiple lenders to offer competitive rates and costs.
- We were voted Best of The Best in Medina County in 2017 and 2018.
- Our advanced technology ensures transparent and streamlined transactions.
What people say
Competitive rates
Excellent customer service
Streamlined transactions
Personalized solutions
Trusted expertise
Services
Conventional Purchase Loan
Conventional Purchase Loans are not government-insured, ideal for buyers with strong credit and stable income. These loans offer flexibility in terms and competitive rates, making them a popular choice for qualified borrowers seeking homeownership without additional insurance requirements.
FHA Purchase Loan
FHA Purchase Loans provide low down payment options and flexible credit guidelines, particularly beneficial for first-time homebuyers. Backed by the Federal Housing Administration, these loans reduce lender risk while enabling broader access to homeownership opportunities for credit-challenged buyers.
VA Construction Loan
VA Construction Loans offer no-down payment financing for eligible veterans building new homes. These loans combine construction and permanent financing into one, allowing qualified borrowers to utilize VA benefits for custom homebuilding projects with favorable terms and reduced upfront costs.
USDA Renovation Loan
USDA Renovation Loans enable rural homebuyers to finance both property purchase and necessary repairs through a single loan. Designed for low-to-moderate income borrowers in eligible areas, these loans provide 100% financing options for acquiring and renovating homes in qualifying rural communities.
DSCR Investment Loan
DSCR Investment Loans qualify borrowers based on property cash-flow rather than personal income. Ideal for real estate investors, these loans assess rental income potential to determine eligibility, offering alternative financing solutions for portfolio growth through income-generating properties.
People
Millicent Fuentes
Mortgage Loan Officer
With extensive industry knowledge, Millicent guides clients through mortgage processes, leveraging her expertise to secure optimal loan solutions tailored to individual financial circumstances.
Brandy Manos
Mortgage Loan Officer
Brandy specializes in mortgage solutions, combining market insight with personalized service to help clients achieve homeownership goals through strategic loan options.
Meghan Owings
Mortgage Loan Officer
Meghan provides comprehensive mortgage guidance, focusing on client education and customized financing strategies to simplify the homebuying experience.
Jennifer Smith
Manager of RJ Grey Processing
Jennifer oversees loan processing operations, ensuring efficient transaction management and maintaining quality standards throughout the mortgage fulfillment process.
Tim Davison
Mortgage Broker
Tim leverages deep market understanding to connect clients with suitable mortgage products, prioritizing transparent communication and tailored financial solutions.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with low down payments and flexible guidelines specifically designed for first-time homebuyers.
Can I refinance my existing mortgage to lower payments?
Yes, we provide conventional and government-backed refinance options to help reduce interest rates and monthly payments.
Do you offer construction loans for custom homes?
We specialize in construction-to-permanent loans for conventional, FHA, VA, and USDA projects.
What investment property financing programs exist?
We offer DSCR loans, bank statement programs, and non-QM options for real estate investors.
How does your 'Mortgage Made Easy' system work?
Our proprietary system provides real-time loan status updates to all parties through automated notifications and centralized communication.
