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CHM Blog

What is an Appraisal?

So, what is a home appraisal? An appraisal is a report that shows stats and pictures of a home. A licensed appraiser will view the home and look at comparable homes in the area that have sold in the last 12 months.  He or she will determine a value for the home. They...

Understanding Your Credit Score

Simply put your credit score represents your ability to pay your debt.  Credit scores range from 400-850. The higher, the better! The average scores range from 660-720. A score of 580 or higher is generally required for a home mortgage.  However, it is still possible...

It’s Not Just About the Mortgage Rate

When you are in the market for a new home or refinancing a home, the interest rate is not everything.  Yes, it is important, but you also need to consider the loan program, down payment, monthly payment, closing costs and Google reviews of the mortgage broker. The...

The 5 Mortgage Process Deadly-Sins

The 5 Mortgage Process Deadly-Sins

Some people say getting approved for a mortgage loan is one of the most daunting process’ they have ever gone through. What if you went through the whole process of getting approved for a mortgage for that dream house, then within days of getting your money to move-in...

Top 5 Tips for First-Time Home Buyers

Top 5 Tips for First-Time Home Buyers

We know buying your first home can be extremely overwhelming, for most people, it will be their biggest investment in their lifetime! For the most part during a financial transaction people mostly use their head for the purchase and their heart gets them to the store....

Mortgage Strategies For Different Life Stages

Mortgage Strategies For Different Life Stages

Becoming a homeowner represents a major life milestone. But from a financial point of view, purchasing a home is not a one-time event; it is the foundation for a variety of strategies over the course of a lifetime. Before settling on any mortgage strategy, it is...

Great Tips for Locking in a Rate

Great Tips for Locking in a Rate

Tip #1: Always Shop For Home Mortgage Rates Don't blindly accept a Realtor or Builder referral to apply for a Home Mortgage through their preferred lender. Many times they will say, "We work closely with this guy and he gets the job done". Translation: "We play golf...

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About Us

CHM Lending is a local mortgage broker founded in 1992 and located in Medina, Ohio. Our company offers a full range of mortgage loan products including Conventional, FHA, VA, USDA, Construction, and Renovation loans. Our team has a combined over 45 years of experience in the mortgage industry and was voted Best of The Best in Medina County in 2017 & 2018. We use a common sense approach with all of our clients and we work with many different lenders to be able to offer the most competitive rates and costs coupled with amazing customer service.

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Condos provide convenience and flexiblity. Condo loans have different mortgage requirements. Call Tim today for more details.
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CHM Lending ™ A Division of: Consolidated Funding Corp.
2425 Medina Rd Medina, OH 44256
NMLS #243256
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CHM Lending NMLS Consumer Access
Ohio License #MB.800906.000
Pennsylvania License #55198