About Penny Charlson
Meet Penny and Niki! Together, they have 50 years of experience in real estate and mortgage lending. Penny has nearly 15 years of experience as a realtor and 25 years as a mortgage lender. Penny is also a Certified Divorce Lending Professional. Niki is a Licensed Sales Assistant who has 10 years of experience in the mortgage industry. They are licensed in Wisconsin and Illinois. Their experience spans all shapes and sizes of mortgage financing. They are well-versed in conventional, government (VA, FHA, USDA), and new construction. They are also skilled in non-conforming loans (ARMs, jumbo, etc). They are proud members of the Jefferson County Realtors Association and the Oconomowoc Rotary Club. They are dedicated members of Homes for Heroes, a national program that provides financial assistance and support to firefighters, EMS, law enforcement, military (active, reserve, and veterans), healthcare professionals, and teachers when they buy, sell, or refinance a home. Penny and Niki are dedicated to providing fast, honest information. They strive to provide their customers individual and dependable services, offering what they like to call a "boutique experience". Get in touch with Penny to start your mortgage journey today!
We can make it happen!
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at N21w23340 Ridgeview Pkwy., Suites 100 And 1 Waukesha WI, 53188
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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