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Stephen Chard

Stephen Chard

Loan Officer

50 Depot Road, 1st Floor, Falmouth, ME 04105
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
4.72 out of 5.0 stars
5.0
3.89
5.0
Deb M
Dec 12, 2023
Verified

As a listing broker the lender behind the deal has to have a proven track record and excellent communications and deliver on time, every time !
Deborah
Dec 11, 2023
Verified

Service abd results delivered on time!
Jaime
Dec 11, 2023
Verified

Steve is always a pleasure to work with. I like that he responds to my communications right away. That's important to me and my clients.
Eva
Dec 11, 2023
Verified

Steve not only helped us with the loan process but also educated us on our many questions asked. He is truly an amazing mortgage lender with so much knowledge to share.
Annmarie
Jan 02, 2024
Verified

Very knowledgeable and helpful
Raffaele
Dec 19, 2023
Verified

Felt comfortable with agent

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NMLS ID #275348
I am authorized to do business in the state of Maine.