Skip to main content

Chartway will NEVER contact you directly and ask for specific confidential information (login credentials, PIN, card number, etc.). Be aware of fraudulent text and phone scams and take extra precaution. If you are contacted unprompted, please call us at (800) 678-8765. We are here to help keep your accounts safe.

Owning a Home

  • a happy couple on their home computer

    Understanding Home Equity & How To Use It

    | Owning a Home

    Borrowing money against your home's equity can pay for the kitchen remodel you've always dreamed of, or it may be used to send your child off to college. Home equity loans have very few limitations on how you utilize the funds. However, because a home equity loan puts up your home as collateral, you'll want to use yours wisely and repay it on time.

  • parents and their young daughter carry boxes into their new home

    Length of the Home Buying Process

    | Owning a Home

    Homes are one of the most expensive things that most people will buy in their lives. Because of this, the home buying process isn’t something you want to rush. If you don’t give yourself enough time, you could end up buying a home that doesn’t meet your needs, or you could pay more than the market value.

  • a couple stands outside of a brick home for sale, woman is pointing at the exterior

    Checklist: Choosing a House with Enough Space at the Right Price

    | Owning a Home

    A home is one of the most expensive things that most people will buy in their lives. It’s not a decision you want to take lightly. Get it wrong, and you could be stuck with an expensive monthly payment for more home than you need. And if you don’t buy a big enough home, you could end up with a place that you quickly outgrow.

  • 7 Things to Consider When Buying a House

    | Owning a Home

    The U.S. real estate market continues to reach unprecedented levels of demand, with bidding wars occurring throughout the country and many homes going under contract after just hours on the market. If you're considering a change, it's important to do your research first to ensure that you're ready to jump on your dream home once you find it. Below, we'll discuss seven key things to consider when beginning the home-buying process.

  • a young family sits on the floor of their home near a ladder and supplies used for remodeling a house

    10 Step House Remodeling Plan

    | Owning a Home

    Ready to bring your dream of a home remodel to reality but don’t know where to begin? 

    Whether you want to fix up a bathroom or renovate an entire floor, we can help you through your remodel. Despite the size of the project, the general gist of what you will need to do is the same.

  • a plumber working on a bathroom remodel

    7 Bathroom Remodel Tips That Save You Money

    | Owning a Home

    Bathroom remodels can transform the way your space looks and feels all while increasing the value of your home. And, if you’re getting ready to renovate your bathroom, you probably want to use the most efficient and most cost-friendly approach.

  • Couple moving boxes into their new home

    How to Buy Your First Home in Virginia

    | Owning a Home

    Each year, many people discover and fall in love with Virginia’s majestic mountains, beautiful farmlands, and stunning beaches. With its rich history, thriving economy, and top-tier colleges and universities, it’s an ideal place to buy a home and raise a family.

  • family moving into bigger house

    7 Reasons to Buy a Bigger House

    | Owning a Home

    Whether you’re in a transition phase of life or just thinking about ways you could use more space, sometimes a bigger house can be exactly what you need. We’ve gathered some of the most common reasons why you may want to size up to a bigger house. Once you read them, you’ll see that you’re not alone in considering the change.

  • a father putting up a for sale sign in front yard, wife and child in the background packing car with moving boxes

    How To Buy A House While Selling Your Own

    | Owning a Home

    Throughout owning a home, you may find your family’s needs expanding outside of what your current home provides. At that point, you could be looking at ways to transition to a home that better suits your family. With kids, school, sports, and other afterschool activities to juggle already, you’re going to want to make the moving process as straightforward and simple as possible.

  • Homebuyer Couple

    5 Costs to Consider Before Buying a Home in Texas

    | Owning a Home

    Are you considering taking the leap from renting to owning? Depending on how much you’re currently paying for your monthly rent, your monthly mortgage payment might not be that much more expensive.

  • a happy couple smiling in their bathroom

    The Average Length of a Bathroom Remodel

    | Owning a Home

    Remodeling can be a great investment. It can improve your quality of life, your comfort, and increase your home’s value. However, one concern homeowners have is how long it takes to remodel a bathroom.

  • couple buying their first home

    6 Questions To Ask When Buying Your First Home

    | Owning a Home

    Deciding to buy a home can be one of the most exciting decisions in your life. Finally having your own space to expand, raise a family, and customize with your dream features is a major life goal for many people!

  • a happy family dancing in their newly remodeled kitchen

    7 Kitchen Remodel Tips That Save You Money

    | Owning a Home

    As your family grows and your lifestyle changes, you may find yourself outgrowing your current space. Deciding whether to move or remodel your home can have a significant impact on your finances. If you’ve decided to remodel, it’s a good idea to start with the room that will add the most to your home’s equity. In most homes, that room is the kitchen.

  • Family deciding whether to remodel or move

    Deciding Whether To Remodel Or Move [A Guide]

    | Owning a Home

    Owning a home is a huge asset. But, as your family grows, your house does not grow alongside it. Perhaps you are running out of bedrooms, need an extra bath, or valuable square footage has been designated for years as a catch-all storage space, and now you need it back! When your living space no longer works for your family, it may be time to consider a change.

  • first-time home buyers moving boxes in their new home

    First-Time Home Buyer Benefits & Disadvantages

    | Owning a Home

    So, you've decided to buy a house. Leaving behind the days of landlords, rent payments, security deposits, and roommates can be an exciting step in your life!

    However, there are some benefits, but also disadvantages, to be aware of that come along with being a first-time home buyer. We've compiled some helpful information to guide you along in your journey and know what potential pitfalls to watch out for.

  • first time home buyer couple embraces in their new living room

    First Time Home Buyer Down Payment Strategies

    | Owning a Home

    Purchasing a home as a first time home buyer is a new and exciting experience. However, it can also come with its concerns. One primary concern is how to come up with the money for a down payment.

    Thankfully, there are various options available to help you get the funding for your down payment, so don't let this one piece of the puzzle stop you from achieving your goal of purchasing your own home.

  • Young couple getting the keys to their first home after following first time home buyer tips

    13 of the Best First Time Home Buyer Tips

    | Owning a Home

    The process of buying a home can be overwhelming—especially if it’s your first time. You want to make sure you’re getting the right house for you at the best value, but without prior experience, how can you really know?

  • Cheerful young couple Preparing for home ownership

    How To Prepare For Homeownership in 3 Easy Steps

    | Owning a Home

    Buying a home for the first time is both thrilling and intimidating. That’s why it’s important to educate yourself as you prepare for homeownership.

  • a couple looking at houses for sale online

    Calculate How Much House You Can Afford

    | Owning a Home

    When you're ready to buy a house, one of the first questions that often comes to mind is, "how much house can I afford?" This number will help you decide the neighborhood you choose to live in, the size of your home, your down payment, and how quickly you can afford to purchase.

  • a couple browsing homes for sale on a laptop

    How To Get A House Loan In 2020

    | Owning a Home

    In early 2020, just before the Coronavirus outbreak, the sale of existing homes was the best they'd been since 2007.

    Unfortunately, the housing market nor anyone else saw COVID-19 and the impact it would have to come. The virus has changed the way of life for the entire globe, forcing many people to stay in their homes for months on end. Those that didn't lose their jobs began working from home in many cases, and plans for public outings have been put on the backburner indefinitely.

  • family moving in to new home

    Set Yourself Up For A Home Loan Pre-Approval

    | Owning a Home

    If you’re preparing to get a home loan soon, there are certain things you can do to set yourself up for a successful pre-approval process. Click to read more.

  • couple home approval

    How To Apply For A Home Loan And Get Approved

    | Owning a Home

    Applying for a home loan is one thing. Getting approved is another entirely. 

    Whether you’re a first-time home buyer or you’ve taken out multiple home loans, it’s good to familiarize yourself (or refresh your memory) with the process of how to apply for a home loan and get approved. 

  • FHA home owner with dog

    How To Apply For An FHA Home Loan

    | Owning a Home

    The process to apply for a home loan can be different based on what type of loan you are applying for. Learn what to expect when applying for an FHA loan.

  • best home loans for first time buyers

    The 5 Best Home Loans For First Time Buyers

    | Owning a Home

    Purchasing your first home is exciting. It's a rite of passage that most adults look forward to at some point in their lives.  

    As you're going through the process, there are several variables to consider. Along with picking a great realtor to help you find the ideal house in your price point, you have to make sure to choose a loan that works for your finances.  

  • Young Asian couple in front of home

    Four things every homebuyer needs to know about Adjustable Rate Mortgages (ARMs)

    | Owning a Home

    If you don’t plan to live in a home for 30 years, why borrow for 30 years to buy it? Oftentimes, the first home you purchase isn’t your “forever home.” If you’re shopping for a home for the first time, you may have heard of an Adjustable Rate Mortgage, or ARM. It’s a type of home loan with an interest rate that changes over time. Here's why you might consider an ARM for your first home.