At American Chartered Bank, we have mortgage options to fit practically any need. We provide an array of mortgage financing solutions including ARM products, limited documentation options, and extended rate locks for new construction, purchases, and more.

Our objective is to assist you in obtaining the right financing program for your unique situation as efficiently and quickly as possible. Whether you're a first-time buyer, moving up to a larger home or refinancing to take advantage of the equity in your home, our experienced loan consultants are here to help.

Our mortgage products offer the advantages of:

• Highly competitive rates
• Free pre-qualification / pre-approval
• Flexible options on points and fees, including no fee mortgages
• A wide range of secondary market programs

Free Pre-Qualification
Our free pre-qualification program enables you to shop for a new home with the confidence of knowing what you can comfortably afford—all with no up-front fees or obligation. Complete your free pre-qualification form here.

Free Pre-Approval
Our free pre-approval program provides the additional benefit of having a mortgage commitment before you buy, enhancing your negotiating position by eliminating any question in the seller’s mind about access to financing.

Mortgages with Low Down Payment
It can be challenging to save enough to become a homeowner. At American Chartered, we offer several options that take the worry out of saving for a large down payment, allowing you to reserve some of your savings for moving costs or other investments.

Important features
Extended rate locks with free “float down” options
Financing available on “unwarrantable” condominiums
Fully refundable application fees at closing
LIBOR and treasury based ARM programs
Reverse mortgage programs

We can also monitor rates and call or email you to keep you apprised of current market conditions.

For additional information or to complete an application, please call 847.481.4663 or contact us!