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CHM Blog

How the Mortgage Process can go WRONG

How the Mortgage Process can go WRONG By: Nathan Gillin Even if you follow the 9 Steps to Mortgage Approval, it is possible that the mortgage process can still go wrong. When buying your house and applying for a mortgage, keep these in the back of your mind and avoid...

USDA LOANS: The Pros and Cons

USDA Loans: The Pros and Cons By: Nathan Gillin Backed by the United States Department of Agriculture, USDA Rural Development Loans were created to develop new regions of the country and help those with low or moderate incomes build in certain rural areas. However,...

VA LOANS: The Pros and Cons

VA Loans: The Pros and Cons Written by: Nathan Gillan Created in 1944, VA loans were originally part of a government program created to help veterans purchase homes with eased credit requirements and low down payments. Today, they serve the same purpose, and are...

FHA LOANS: The Pros and Cons

FHA Loans: The Pros and Cons Written By: Nathan Gillin When it comes to government insured or guaranteed loans versus conventional loans, FHA loans are one of the more popular choices for home buyers. FHA loans are those insured by the Federal Housing Administration....


Conventional Loans: Pros and Cons written by: Nathan Gillin When you are buying, building, or refinancing a home and looking at your loan options, you will find a variety of different options. It is important to know these different loan types, which ones you qualify...


9 Steps to Mortgage Approval written by: Nathan Gillin A good credit score (see Tips for Improving Your Credit Score!) is essential for mortgage approval, but what exactly does the process look like?  Step 1: Get Pre-Approved Make sure that you can afford down payment...

READY TO BUY A HOUSE? Make a list.

Ready to buy a house?? Make a list... Written by: Jenn Smith I am that typical type C personality. I list and list and list... most of the time over and over in my head thinking it's going to stick in there. But in the heat of the moment, before a crazy day with the...

Tips for Improving your Credit Score!

Tips for Improving your Credit Score! April 10, 2020 Post by: Nathan Gillin Check the accuracy of your credit reports Know your credit history. What past credit decisions are impacting your score? 3 major credit bureaus: Experian, Equifax and TransUnion. Each has its...

COVID-19 Economic Injury – Disaster Loan assistance

The U.S. Small Business Administration (SBA) is collecting the requested information in order to make a loan under SBA’s Economic Injury Disaster Loan Program to the qualified entities listed in this application that are impacted by the Coronavirus (COVID-19). The...

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...

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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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CHM Lending ™ A Division of: Consolidated Funding Corp.
2211 Medina Rd Medina, OH 44256
NMLS #243256
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Licensed in the following states:
Ohio License #MB.800906.000
Pennsylvania License #55198
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