Custom Home Mortgage Solutions
One size fits all you
There’s no other combination exactly like yours.
Why settle for a mortgage that’s like all the others?
You deserve a customized mortgage solution that fits like a dream based on your total financial picture.
Not one crammed into your monthly budget tighter than luggage in an overhead bin.
Cut the stress.
Skip the anxiety.
Heap on the confidence.
It’s possible to be delighted with your mortgage - we see it every day!
You’ll be educated and informed every step of the way.
Become a confident home buyer - it’s easier than you think!
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First, we get to know your unique situation.
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Then, get options that meet your needs.
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Be confident and delighted with your mortgage for years to come!
The people have spoken!
Customer Testimonials
“Charlie was great to work with. He really understood our situation and took the time to educate us about our choices. I highly recommend he and his team.”
— Mason P.
“Charlie and the team at Midwest Family Lending are a dream to work with! They are patient, responsive, easy to work with and FUN!”
— Betsy M.
“Kyle was great, easiest process we've had refinancing. Would recommend to anyone!”
— Mindy B.
“Charlie and Curvin made the process easy and were always available for questions. The personable service made us feel like we were working with people who really cared about us and we couldn’t be happier.”
— Sarah C.
You might be thinking…
(Click on your questions to reveal our answers.)
Why should I chose Team Chedester?
We are committed to exceptional customer service! You'll get mortgage options based on your total financial snapshot because we look at how your mortgage fits into your total budget. And, we're pretty fun too!
I'm not ready to buy a house yet.
That's okay! It's always a good idea to get connected to your lender sooner, rather than later. Time is on our side, and we can use the additional time to get you in a great spot for what you want.
When's the best time to refinance my mortgage?
We get this question a lot! It's best to reach out now so we can review your situation. See more questions about refinancing!
There are a variety of reasons to refi: consolidate debts, remove PMI, get a lower rate, pay for a new car, or finance a remodel on your home, etc. Depending on what you're hoping to accomplish will also tell us "when" the right time is for you.
We always provide FREE personalized reviews with side-by-side comparisons of options so you can ask question and make educated decisions.
I'm self employed, are there options for me?
Yes, absolutely! We've helped many self employed individuals become homeowners! We know how to assist you too!
Do I have to have 20% down? Can I have $0 down?
You DEFINITELY DON'T need to have 20% down! There are great loan programs that have very low down payment options. We even have less than 20% down loans with NO monthly PMI (private mortgage insurance).
There are even some 0% down options, we'll need to review your situation to see which loan best suits your needs and goals.
My credit isn't good enough.
We are here to help! It really depends on your total financial picture, but we can give some guidance based on your goals to help you.
What's the difference between a pre-approval and a pre-qualification?
Great question! A pre-qualification is like saying "yes, you can buy a home...possibly-maybe." A pre-approval is like saying "We have verified all the information and confirmed you can buy a home in "this" price range." A pre-approval sets you up for success.
At Team Chedester, prior to issuing you a Lender Letter, we review your income, assets, credit, and loan options to set you up for success while looking for a home.
What's the difference between a mortgage broker, lender, originator, etc.?
So many ways to describe something that seems the same! We are Mortgage Originators because we work with many lenders to find a solution that works best for your situation rather than financing the loan directly.
What types of loans do you offer?
We have multiple loan options to meet your needs:
FHA Mortgage
Conventional Mortgage
VA Mortgage
USDA Financing
We can facilitate other options as well, depending on your unique situation.
Have a different question?
Send us an email with your question! We’ll be happy to get back to you.
Save money. Shorten the length of your mortgage. Expand your land. Downsize your space. A yard for your dog. A garage for your car.
Your reasons for buying a home are as unique as you! Your mortgage should be too.
A lot of other lenders, and even banks, don’t look at your whole financial picture.
The mortgage process can be overwhelming and unnecessarily hard if you don’t have great support guiding you.
You want a mortgage that fits your budget, helps you achieve your big picture financial goals, and you want to actually understand what it is you’re signing.
Is that too much to ask for?!
We don’t think so.
That’s why we’re committed to communicating, educating you throughout the process, and presenting options so you can have a say in what works best for you.
Whether you’ve been denied before,
Are so overwhelmed you don’t know where (or how!) to start,
Or are afraid of getting stuck with the wrong mortgage, costing you thousands of dollars.
We are here for you!
Every year we serve hundreds of home buyers through the mortgage process.
Low credit
High credit
Entrepreneurs
Bankruptcy
and more…
We’re ready to tackle your real life experiences because we believe in helping you find the right mortgage solution for you.
Surrounding yourself with the right people can make all the difference!
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Charles Chedester, CRMS, CVLS, CMA, CCS
Your main contact throughout the process.
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Kyle Guldenpfennig, CRMS, CVLS
Your main contact throughout the process.
#TallMoneyMan -
Emily Barber
Your main contact throughout the process. Specializing in budget and financial confidence.
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Kristi Striffler
Helps keep things running smoothly behind the scenes.
Want cool tips to be a financially confident homeowner?
We’ve got you! Enter your email and you’ll be first on our list to know all the good stuff like credit education, home maintenance ideas, market updates, and of course mortgage tips.
Rent vs Buy - the age old question
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