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Charlie Thorne

Charlie Thorne

Sales Manager

401 Holmes Avenue NE, Stes G And H, Huntsville, AL 35801
Own what matters
Own what matters

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.87 out of 5.0 stars
5.0
5.0
4.95
4.64
Christine G
Feb 11, 2024
Verified

Charlie, Deanna, and Sara took great care of me! They were so kind and patient every step of the way. I was searching for a home for a long time and Charlie did a great job of checking on me periodically. Charlie and Deanna even came to my closing! I absolutely love them. I'm so glad they were my team ❤️
Shawn
Sep 07, 2023
Verified

We had a great smooth experience. The communication was amazing and the knowledge of the lender for this transaction was superb.
Janice B
Aug 22, 2023
Verified

Title: Excellent Mortgage Lender for First-Time Buyers Rating: ★★★★★ (5/5) I recently had the pleasure of working with Charlie Thorne & his team to assist one of my first-time buyer clients in securing a mortgage. I must say that my experience with them was exceptional from start to finish. Their professionalism, expertise, and dedication to client satisfaction truly set them apart. From the initial consultation to the closing process, Charlie & his team provided outstanding service and guidance. They took the time to thoroughly explain each step of the mortgage application process, ensuring that my client had a clear understanding of their options and obligations. Their communication skills were excellent, promptly addressing any questions or concerns my client had along the way. One aspect that impressed me the most was Charlie’s commitment to finding the best mortgage solution tailored to my client's needs. They diligently researched various loan programs and interest rates, presenting my client with multiple options to choose from. This level of personalized attention demonstrated their genuine interest in securing the most advantageous terms for my client. Moreover, Charlie & his team displayed a remarkable level of efficiency throughout the transaction. They diligently gathered and organized all the necessary documentation, ensuring a smooth and timely processing of the mortgage application. Their attention to detail greatly minimized potential delays or complications, resulting in a stress-free experience for my client. Overall, I highly recommend Charlie Thorne & his team to any first-time buyer seeking a mortgage. They possess the knowledge, professionalism, and dedication that make the mortgage application process seamless and successful. I am confident that they will continue to provide outstanding service to future clients, just as they did for mine.
Janice
Aug 21, 2023
Verified

Excellent Mortgage Lender for First-Time Buyers I recently had the pleasure of working with Charlie Thorne & his team to assist one of my first-time buyer clients in securing a mortgage. I must say that my experience with them was exceptional from start to finish. Their professionalism, expertise, and dedication to client satisfaction truly set them apart. From the initial consultation to the closing process, Charlie & his team provided outstanding service and guidance. They took the time to thoroughly explain each step of the mortgage application process, ensuring that my client had a clear understanding of their options and obligations. Their communication skills were excellent, promptly addressing any questions or concerns my client had along the way. One aspect that impressed me the most was their commitment to finding the best mortgage solution tailored to my client's needs. They diligently researched various loan programs and interest rates, presenting my client with multiple options to choose from. This level of personalized attention demonstrated their genuine interest in securing the most advantageous terms for my client. Moreover, Charlie & his team displayed a remarkable level of efficiency throughout the transaction. They diligently gathered and organized all the necessary documentation, ensuring a smooth and timely processing of the mortgage application. Their attention to detail greatly minimized potential delays or complications, resulting in a stress-free experience for my client. Overall, I highly recommend Charlie Thorne & his team to any first-time buyer seeking a mortgage. They possess the knowledge, professionalism, and dedication that make the mortgage application process seamless and successful. I am confident that they will continue to provide outstanding service to future clients, just as they did for mine. Janice Bryant-REALTOR, EXIT Realty North
Danielle
Aug 21, 2023
Verified

Everything went smoothly.

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NMLS ID #204432
I am authorized to do business in the states of Alabama, Florida, Georgia, Mississippi, North Carolina and Tennessee. Licensed by the Mississippi Department of Banking and Consumer Finance;