Home Loans

  • NIFA - First Time Homebuyer Loans
  • Fixed Rate conventional loans with 15-20-30-40 year terms
  • Low or No Down payment Loans
  • FHA, VA, Rural Development Loans
  • Bridge Loans
  • Construction Loans
  • Jumbo Loans $417,001 and up
Contact Russ Smith for more information
Email: rsmith@charterwest.com
Phone: 308-234-2220

Construction Loans

  • New Homes
  • Extended Rate Lock Program:
  • Rate Protection: Lock for up to one year
  • Conversion Option - Borrower will have one option to relock the loan to lower current market conditions with 60 days of closing.
Contact Russ Smith for more information
Email: rsmith@charterwest.com
Phone: 308-234-2220

Business Loans

  • Commercial Loans to purchase build remodel or refinance current debt
  • Apartment Complex
  • Business / Office Buildings


Contact Russ Smith for more information
Email: rsmith@charterwest.com
Phone: 308-234-2220

Reverse Mortgages

  • Remain Independent, retain home ownership and stay in your own home
  • Age 62 or older to qualify
  • Monthly income, cash up front, credit line or combination of all
  • No Credit scores or requirements
  • Use your homes equity for cash

Top Ten Myths about Reverse Mortgages - Senior Journal

Let me help you find the right loan

Contact Russ Smith for more information
Email: rsmith@charterwest.com
Phone: 308-234-2220