Want your loan process to go smoothly? A local lender makes all the difference. Our experienced lending specialists take a get-to-know-you approach to help you find the right loan. And the entire process is done right here.
Apply for a mortgage
With a home loan from Chesapeake Bank, you get more than a mortgage. You get a team of local lenders to help you with your loan from application stage to final payment. Our approvals are made by people not just computers. And, we’ll work to find the best loan to fit your specific situation.
Getting Started
- Visit our mortgage center page to complete your application.
- A mortgage loan officer will call you within 24 hours or the next business day to review your application and discuss options.
If you need assistance, please call us at 800-434-1181. We’re available 9 a.m. to 5 p.m., Monday through Friday.
Home Loans
First-time Homebuyer Loans
Buying your first home? The HomeOne℠ Mortgage and Home Possible® Mortgages are designed with more flexible qualifications for financing.
Fixed-Rate Mortgage
Secure your home with a fixed-rate mortgage from Chesapeake Bank. Lock in your rate to avoid future interest hikes, with multiple term options available. Plus, all loan servicing stays local.
Adjustable-Rate Mortgage
An adjustable-rate mortgage offers a fixed interest rate for an initial period, followed by adjustments. Rate caps limit changes during each adjustment and over the loan’s life.
Jumbo Loans
Sometimes a conventional mortgage just isn’t enough. Maybe you’re buying a large home or live in an area where housing costs are high. If that’s the case, a jumbo loan may work for you.
Home Construction Loans
Choose between two types of construction loans. Contact your nearest Chesapeake Bank mortgage loan officer for details.
Home Equity Loan
A Home Equity Loan lets homeowners borrow a lump sum against their home’s equity, repaid with fixed monthly installments over a set term.
Home Equity Lines of Credit
A Home Equity Line of Credit (HELOC) lets you borrow as needed with a variable rate, using your home as collateral, for expenses like home improvements or any other needs.
Affordable Home Loan Programs
USDA Loans
USDA loans help low-income borrowers in rural areas purchase homes with no down payment, partnering with local lenders and offering potential grant funds for closing costs.
VA Loans
VA Loans offer eligible veterans, active-duty military, and surviving spouses the chance to purchase or refinance a home with no down payment, flexible credit criteria, and potential grant funds for closing costs.
FHA Advantage Loans
FHA loans, insured by the Federal Housing Administration, offer low down payments and easy credit qualifying, with potential grant funds available for closing costs and down payments.
Pathway Mortgage
A real estate loan with special qualifying requirements, such as lower income, less money down, and lower closing costs.
Land Loans
Land Loans
Buy now, build later. Whether you purchase land to build a home or for investment, we offer adjustable-rate mortgages.
Contact Us
Connect with one of our lending specialists.
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