From first-time buyers to seasoned investors, we craft mortgage solutions that fit your life — not the other way around. Lower rates, clearer terms, and a team that actually picks up the phone.
Loan Products
Whether you're buying your first home, refinancing to tap equity, or investing in a rental property — we have a loan program designed to match your goals.
Low down payment options, down payment assistance programs, and guidance every step of the way — because buying your first home shouldn't feel impossible.
Learn moreLower your monthly payment, shorten your term, or cash out equity — we'll run the numbers and tell you honestly if it makes sense for your situation.
Learn moreConforming loan limits don't cover everything. Our jumbo loan programs offer competitive terms for higher-value properties in the Kearney market.
Learn moreGovernment-backed loans with flexible credit requirements and minimal down payments — perfect for veterans and buyers who need a more accessible path.
Learn moreBuilding your custom home? We offer construction-to-permanent loans so you finance the build and the mortgage in one streamlined process.
Learn moreEvery borrower is different. Call us and we'll walk through your options — no pressure, no obligation.
(308) 234-2220
4511
2nd Ave, Kearney
About CharterWest
CharterWest Bank Mortgage Center has been a cornerstone of the Kearney lending community for over two decades. We're not a call center wrapped in a bank — we're your neighbors, and we treat every application like it's our own family's home.
Our approach is straightforward: we listen first, then match you with the right loan product at the right rate. No cookie-cutter solutions, no pressure to borrow more than you need. Just honest advice from people who understand the Central Nebraska market inside and out.
How It Works
We've simplified the mortgage process into four clear steps so you always know what comes next.
Fill out our simple application at our Kearney office or online. We'll collect the basics and get you a preliminary estimate fast.
We pull your credit, verify your finances, and issue a pre-approval letter — giving you the confidence sellers take seriously.
Our team handles the paperwork, orders the appraisal, and works through underwriting so you don't have to chase updates.
Sign your closing documents, receive your keys, and start your next chapter. We're with you until the very end.
Client Stories
We were first-time buyers with zero idea what we were doing. The team at CharterWest walked us through every step and made the whole process feel manageable — not scary.
First-time homebuyer, Kearney
I refinanced my home to pull out equity for a rental property. CharterWest found me a rate I hadn't seen anywhere else, and closing took less than two weeks.
Refinance client, Kearney
As a veteran, I needed someone who understood VA loans. CharterWest made the process seamless and I couldn't be happier with my new home. Truly grateful.
VA loan borrower, Kearney
Ready to Get Started?
Whether you have questions or you're ready to apply, give us a call. We'll answer honestly and help you figure out the right path — no pressure, ever.
Contact Us
Visit us at our Kearney office, give us a call, or send a message — we're here when you need us.
Our Office
4511 2nd Ave
Kearney, NE 68847
Phone
(308) 234-2220Business Hours
Monday – Friday: 9:00 AM – 5:00 PM
Saturday – Sunday: Closed
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