Residential & Commercial Financing

ALL CREDIT TYPES CONSIDERED

First Time Buyer

Low Down Payment

Challenged Credit

Down to 500 FICO

Investor

No Credit Check

Commercial

Industrial Loans

Meet Charmaine

A Southern California native, Charmaine first came to Atlanta, GA in the mid 90’s, attending a local university but ultimately deciding to make the city her home. She has witnessed Atlanta’s tremendous growth, opportunity and popularity prior to and immediately following the 1996 Summer Olympics. With the subsequent major economic and real estate downturn which led to the 2007 recession and Atlanta’s resurgence as the ‘Hollywood of the South, she has witnessed and experienced it all! Her familiarity with the city and the outlining counties that make up metro Atlanta, allow her to provide a level of tailored service and knowledge many other representatives simply cannot reciprocate. Charmaine began her mortgage and real estate career in 1999, keeping abreast of the evolving laws and regulations governing mortgage loans and real estate lending practices in the state and the Atlanta metro area. Possessing almost 20 years of mortgage and real estate industry experience, she has focused on integrity, professionalism and the ‘Customer Service Approach’, a concept that ensures a support from the beginning to end and beyond customer service experience with a focus on the client. Charmaine will provide customers the best loan and mortgage products available and that the process is a seamless and effortless experience. Charmaine is committed to delivering premier customer service, professional discretion with a personal attention to not only the needs of the customer but also their desire. She understands the value of time and will work promptly and deliberately with the level of professionalism courtesy customers deserve. She is passionate about real estate and works to help customers achieve their home ownership goals!

Our Services

Charmaine Roberts & Associates (CR and Associates) is Charmaine Roberts dream realized. Beginning her career in 1999, Charmaine learned the business of people management, mortgage lending products and services. Mastering those skills, she now provides her expertise, assisting homebuyers and homeowners in obtaining their dream of home ownership! Working with her partner lenders, CR and Associates provide a wide variety of loan products for all credit types and financing needs. A boutique firm, CR and Associates provide personalized customer services, carrying potential borrowers from origination to closing. Whether customers are either unprepared or unable to qualify for a home loan, CR and Associates will institute a custom-tailored action plan to successfully prepare and position Customer(s) in an optimum home loan approval position. CR and Associates possess access to a broad network of real estate professionals, home inspectors, home contractors, title and insurance professionals, virtually a one-stop shop boutique that encompasses all avenues of home buying and ownership.

Boutique Firm

Charmaine and her partner lenders work together to offer multiple products for borrowers of all credit types. Excellent to challenged credit histories.

Personalized Service

Service is based on an individual's particular picture. The story of a borrower's credit, employment, income and asset history determines the products Charmaine can offer.

Plan of Action

A plan of action is offered to potential borrowers who do not qualify for a mortgage. The hope is the potential borrower can get themselves ready to qualify for a loan in the near future.

Referral Source

With access to a wide range of professionals, Charmaine is a referral source for the needs of a homeowner or a potential buyer.

Services

Why work with Charmaine

Testimonials

Contact Me

Buyer

When all of the doors closed in my face and everyone said it couldn't be done God sent Charmaine Roberts my way, she returns calls in a timely manner and explains everything to where you can understand what's going on and she follows up with emails and text messages every step of your loan process, when my faith was shaken she encouraged me that she could get it done all the while being honest about the situation Witch I appreciated. Now I'm a homeowner if you want to close on a home call Charmaine Roberts & Associates.

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Buyer

I truly appreciate when a person can be honest, helpful, knowledgeable and caring, especially in a business situation. Charmaine has all of these qualities and more! I was nervous about preparing to purchase a home due to my credit situation but she makes this a painless process! You won't find anybody more qualified to take care of you and your home buying and leasing needs! Charmaine definitely gets the job done!

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Buyer

Charmaine was a pleasure to work with. She returned my phone call within 24 hours of my initial call to her. She was able to provide me with the answers to all my questions . She gets more detailed than other mortgage brokers . She gave me advice and how to move forward in becoming a homeowner. She even researched to find solutions to a few issues I was dealing with credit wise. Her professional ability along with her care and concern for my situation was over and above a job well done. I have already referred several other people to her. Thank you for being more than just a voice on the phone.

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