- Fixed Rate Conventional Mortgage: Offers a fixed interest rate for the entire loan term, providing stability and predictability for homeowners.

- Adjustable Rate Mortgage (ARM): Features a lower initial interest rate that adjusts periodically based on market conditions, allowing borrowers to take advantage of potentially lower rates.

- FHA Loans: Backed by the Federal Housing Administration, these loans provide low down payment options and flexible qualification requirements for first-time homebuyers.

- VA Loans: Available to eligible veterans and military service members, VA loans offer competitive interest rates and favorable terms, including zero or low down payments.

- USDA Loans: Designed for rural homebuyers, these loans are backed by the U.S. Department of Agriculture and provide financing options with no down payment requirement.

- Jumbo Loans: For properties exceeding conforming loan limits, jumbo loans offer financing solutions at higher loan amounts with flexible terms.

- Construction Loans: Designed for individuals building a new home, construction loans provide funds throughout the building process and can be converted into long-term mortgages once construction is complete.

- Home Equity Lines of Credit (HELOC): Allow homeowners to leverage their home equity as a revolving line of credit that can be used for various expenses such as home improvements or debt consolidation.

- Refinance Options: Charter West Bank offers refinancing programs to help homeowners lower their monthly payments, reduce interest rates, or change the loan term to better suit their financial needs.