About Charm
A direct financing partner for real estate.
Charm Loans provides direct lending and mortgage services for homeowners and real estate investors.
We work on acquisitions, construction, bridge transactions, and refinancing across residential and commercial property, and we keep the process direct and practical.
Our role
We lend directly.
Charm reviews each transaction and provides financing directly. All financing is subject to underwriting, due diligence, and approval.
How we work
Direct communication.
You speak with the people reviewing your file. We look at the asset, the numbers, and the exit strategy, then outline the financing routes that may fit.
What we offer
Bridge Financing
Short-term capital to move on a time-sensitive opportunity.
Refinance
Replace existing debt to adjust terms or access equity.
New Construction
Ground-up build financing released as work progresses.
Fix and Flip
Purchase and renovation financing for resale projects.
Commercial Real Estate Financing
Debt for income-producing commercial property.
Land Financing
Capital secured by land for acquisition or development.
Traditional Mortgage Financing
Conventional, FHA, and VA options for homeowners.
Discuss a real estate transaction.
Submit the property and the financing you need, and the Charm team will review it with you.