Business Details
Trusted Mortgage Solutions in Austin
Charter Lending has been serving Austin residents with competitive mortgage solutions for over a decade. Our expertise lies in providing tailored financing options for self-employed individuals and sophisticated borrowers who face unique qualification challenges. We specialize in navigating complex tax scenarios involving depreciation, depletion, and unreimbursed business expenses for S-corp and LLC owners. Our streamlined process eliminates unnecessary paperwork while maintaining transparency with upfront rate disclosures. With a proven track record of closing refinances in 28 days without appraisals, we combine technological efficiency with personalized service.Our team maintains deep familiarity with Texas-specific mortgage products including jumbo loans, cash-out refinances, and VA interest rate reductions. Backed by our NMLS#316151 licensing, we prioritize customer satisfaction through cost-effective solutions and responsive communication. Our 10-year history of zero complaints demonstrates our commitment to ethical lending practices. We empower clients through educational tools that help determine optimal purchase, refinance, or debt consolidation strategies while maintaining strict compliance with Texas Department of Savings and Mortgage Lending regulations.
Services
Fixed Rate Mortgages
Jumbo Loans
Cash Out Refinance
Investor Loans
VA Interest Rate Reductions
Debt Consolidation Programs
Highlights and features
- We specialize in mortgage solutions for self-employed borrowers
- Our 28-day closing process eliminates unnecessary appraisals
- We offer no-cost fixed rate mortgage options
- We provide EZ doc jumbo loan programs
- Our team understands complex tax scenarios for S-corp and LLC owners
Associations and certifications
- NMLS# 316151
What people say
Refinanced in 28 days
No appraisal required
Saved $4800
No cost refinancing
Streamlined process
Services
Fixed Rate Mortgages
Our fixed-rate mortgage programs provide stable monthly payments with predictable interest rates throughout the loan term. We offer competitive rates for primary residences, second homes, and investment properties across Texas. Our streamlined underwriting process ensures faster approvals while maintaining compliance with all state and federal regulations.
Cash Out Refinance
This program allows homeowners to access their home equity through refinancing at favorable rates. We specialize in no-appraisal options that save time and money while providing flexible terms. Our process typically closes within 28 days, making it ideal for debt consolidation or home improvement projects.
Jumbo Loans
Designed for luxury home purchases exceeding conventional loan limits, our jumbo loan programs offer competitive rates with simplified documentation. We cater to sophisticated borrowers needing specialized financing solutions while maintaining strict underwriting standards to ensure long-term affordability.
VA Interest Rate Reductions
This VA-backed program helps eligible veterans reduce their mortgage rates with minimal documentation requirements. We offer streamlined refinancing options that typically don't require appraisals or income verification, making it easier for veterans to achieve lower monthly payments.
Investor Loans
Our investor loan programs cater to real estate investors seeking financing for rental properties. We offer flexible terms with no income documentation requirements for qualified applicants. These loans are ideal for building investment portfolios with competitive rates and favorable cash flow potential.
Questions
What mortgage services do you offer?
We provide fixed-rate mortgages, jumbo loans, cash-out refinances, VA interest rate reductions, and investor loans with simplified documentation options.
How quickly can you close a refinance?
Our average refinance closing time is 28 days with no appraisal required for qualified applicants.
Do you work with self-employed borrowers?
Yes, we specialize in mortgage solutions for self-employed individuals and business owners with complex tax situations.
Are there any upfront costs?
We offer no-cost mortgage options with competitive rates and transparent fee disclosures.
How do I start the application process?
Call 512-328-4545 or use our online tools to determine the best loan program for your needs.
