Home | Charly Bates

Save $1000s on Your Mortgage

Whether you’re a first-time buyer or want to refinance at a lower rate, my team can help.

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Available Loan Options

Explore Our Capital

Programs Each program is designed with clear timelines, eligibility requirements,
and compliance protections.

30 Year Fixed Mortgage

Lock in a stable interest rate for 30 years with affordable monthly payments — perfect for long‑term homeowners and buyers who want budgeting peace of mind.

15 Year Fixed Mortgage

Secure a stable, predictable mortgage with lower total interest costs and a clear path to homeownership payoff — ideal for borrowers who want to own their home sooner.

Explore a VA mortgage that helps eligible Veterans, active duty service members, and select surviving spouses buy a home with no required down payment, competitive rates, and no private mortgage insurance.

FHA Loans

Explore an FHA mortgage that can make homeownership more attainable with low down payment options, flexible credit criteria, and personalized guidance.

USDA Loans

A USDA loan is a mortgage program backed by the U.S. Department of Agriculture (USDA) that’s designed to make homeownership more accessible for low‑to‑moderate‑income borrowers in eligible rural and some suburban areas.

Reverse Mortgage

Explore how a Home Equity Conversion Mortgage (HECM) can help homeowners age 62 and older convert home equity into cash — without monthly mortgage payments — while remaining in their home.

About Peak Residential Lending

Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.