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Charlie Christensen - Mortgage Banker in Marin County, CA
I am dedicated to helping you achieve your homeownership dreams. With a deep understanding of the Marin, San Francisco and Bay Area, CA markets and a commitment to personalized service, I’ll guide you every step of the way to find the right mortgage solution for your needs
Home Purchase Loans
Refinancing Solutions
Refinancing Solutions
Start your home-buying journey with confidence. Whether you're exploring Conventional or Jumbo loans, I will help you find the right fit for your needs. Together, we’ll make your dream home a reality.
Refinancing Solutions
Refinancing Solutions
Refinancing Solutions
Unlock financial flexibility with tailored refinancing options. Lower your monthly payments, shorten your loan term, or leverage your home equity with solutions designed to support your financial goals.
First-Time Homebuyer
Refinancing Solutions
First-Time Homebuyer
Buying your first home is a big step—I'm here to educate you about your options and my goal is to get you to a place of total comfort around your home purchase options.
Loan Programs for Investors
Loan Programs for Investors
Loan Programs for Investors
Expand your investment portfolio with confidence. I offer tailored loan programs for real estate investors, helping you secure financing for single-family homes, multi-unit properties, and more.
Down Payment Assistance
Loan Programs for Investors
Loan Programs for Investors
Get the support you need with programs designed to make homeownership accessible for first-time buyers. I’ll help you navigate through every stage of the process.
Conventional Loans
Conventional Loans
Conventional Loans
Ideal for borrowers with strong credit, offering competitive interest rates and flexible terms. They may require a higher down payment compared to government-backed loans.
Jumbo Loans
Conventional Loans
Conventional Loans
Designed for properties that require loans exceeding the conventional loan limits, these are perfect for larger, more expensive homes, offering competitive rates and terms.
Rate and Term Refinance
Allows homeowners to adjust their interest rate and loan term, potentially lowering monthly payments or shortening the loan period.
Cash-Out Refinance
Homeowners can refinance their mortgage for more than they owe and take the difference in cash, useful for consolidating debt or home improvements.
Down Payment Assistance
Offers financial aid for down payments and closing costs, making homeownership more accessible for first-time buyers.
Educational Resources
Provides crucial information and guidance to navigate the homebuying process smoothly for first-time buyers.
Investment Property Loans
Tailored for real estate investors, these loans cater to the purchase of properties intended for rental or resale.
DSCR (Debt Service Coverage Ratio)
The DSCR Investor Loan is ideal for real estate investors, emphasizing property income over personal income. It suits those with income-generating properties, facilitating portfolio expansion.
State and Federal Programs
SECIBD (Second Mortgage for Down Payment Assistance)
State and Federal Programs
Information about various assistance programs available at state and federal levels.
Qualifying for Assistance
SECIBD (Second Mortgage for Down Payment Assistance)
State and Federal Programs
Details the eligibility criteria and application process for obtaining down payment assistance.
SECIBD (Second Mortgage for Down Payment Assistance)
SECIBD (Second Mortgage for Down Payment Assistance)
SECIBD (Second Mortgage for Down Payment Assistance)
This program provides an additional mortgage as down payment aid, enabling easier access to homeownership for those who qualify.