Building Community, Trust, and Success in Mortgage Lending - Insights from Charlie Chedester
In this episode of The Lofty Lender, we sit down with Charlie Chedester, a seasoned mortgage loan originator with nearly 20 years of experience in the industry. From his early days in small-town Iowa to his current role in the Des Moines market, Charlie has always prioritized community, trust, and customer success. Here are some key takeaways from our conversation that reflect his journey, insights, and vision for the future.
From Accounting to Mortgage Lending: A Journey of Unexpected Passion
Charlie's journey into mortgage lending wasn't planned—it was driven by a combination of happenstance and a desire to help others. Initially, he pursued a career in accounting and financial advising, but his real passion emerged when he started helping people with their budgets and financial goals. For Charlie, the satisfaction of guiding clients to financial confidence and comfort is what "tripped his trigger" and kept him in the industry for nearly two decades.
Community Building: A Core Value
Charlie’s commitment to community building is evident both in his professional and personal life. As a board member of the Waveland Park Neighborhood Association and a member of Hope Lutheran Church, he actively seeks ways to uplift his community. This extends to his work in mortgage lending, where he focuses on helping clients not just secure loans but also achieve financial stability and success.
Charlie's philosophy is deeply rooted in small-town values—honesty, transparency, and maintaining relationships. As he puts it, “You can’t always make everybody happy, but you’ve got to communicate, be timely, and tell people no when necessary—always with an explanation.”
Navigating the Evolving Real Estate Market in Des Moines
The Des Moines real estate market has evolved significantly since Charlie first started. What were once small towns, like Waukee, have now grown into thriving communities. While this growth is exciting, it has also brought challenges, particularly in terms of housing affordability. Charlie notes that first-time homebuyers today face higher price points than ever before, with fewer options for affordable homes.
Despite these challenges, Charlie remains optimistic about the future of the Des Moines market. He emphasizes the importance of helping clients understand the financial aspects of home buying and guiding them through the complexities of the market.
Work-Life Balance: Making Time for What Matters
As a dedicated husband and father, Charlie understands the importance of balancing work with personal life. While the demands of the mortgage industry can be intense, he stresses the need to carve out time for hobbies and family. Whether it's playing a round of golf, participating in community activities, or simply spending quality time with his kids, Charlie believes that maintaining this balance is crucial for long-term success and happiness.
The Future of Mortgage Lending: Vision and Teamwork
Looking ahead, Charlie envisions a future where the mortgage industry is even more collaborative and supportive. He emphasizes the importance of having a strong support staff and fostering a non-competitive environment where team members help each other succeed. "Money isn't the only motivator," Charlie says. "It's about enjoying what you do and making a positive impact on your surroundings."
He also advocates for a more community-focused approach to lending, one that prioritizes long-term success over short-term profits. This philosophy extends to his thoughts on financial literacy and responsible lending practices. Charlie believes that by helping clients understand their financial options and guiding them towards better debt management, lenders can play a crucial role in improving their clients' financial well-being.
Final Thoughts: A Commitment to Excellence
Charlie’s dedication to his clients, community, and team is evident in everything he does. His approach to mortgage lending goes beyond just closing deals—it's about building trust, fostering relationships, and helping people achieve their financial goals.
If you're looking for a mortgage lender who truly cares about your success, Charlie Chedester and The Lofty Lender team are here to help. Whether you're a first-time homebuyer or a seasoned investor, you can trust Charlie to guide you through the process with expertise, integrity, and a commitment to your financial well-being.
Connect with Charlie:
Phone: 515-229-6564
Website: teamchedester.com
Social Media: Find Charlie on Facebook and Instagram under "Team Chedester"
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