I N S U R E N
109 Mason Ave Suite D, Cape Charles, VA 23310

Office Address

  • 109 Mason Ave Suite D Cape Charles, VA 23310
  • acharney@nexalending.com
  • (757) 996-5020

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Cape Charles’ Own "Mortgage Mayor" · NMLS #220477

Today's Mortgage Rates, Personally Quoted by Adam Charney

Cape Charles’ own Mortgage Mayor checks 270+ wholesale lenders every morning to help find you a competitive rate — see your custom number in about 60 seconds.

  • 5.0 Google rating
  • Top 1% NEXA Lending nationally
  • BBB A+ Accredited
  • Licensed in 7 States

See Your Personalized Rate in 60 Seconds

Quick questions, zero obligation — Adam reviews every submission personally.

Banks Fight For Your Business
As brokers, we shop your scenario with 30+ lenders to find you a competitive rate.
No Lender Fees
We don't charge any lender fees, which helps keep your costs down compared to many retail banks.
Won't Impact Credit Score
We make sure the numbers work before running your credit.
Rates change daily — what you qualify for today may look different tomorrow. See your number below ↓
Not Ready to Fill Out a Form?
Talk to Adam directly — no forms, no waiting on a callback.

NMLS Consumer Look Up : NMLS 1660690

Frequently Asked Questions

Mortgage rates in Virginia change daily and vary by loan type, credit score, down payment, and property type, so there is no single rate that applies to every borrower. Chesapeake Bay Mortgage displays live wholesale rates at chesapeakebaymortgage.com and Adam Charney can provide a personalized rate quote in minutes by calling 757-996-5020.

Mortgage brokers like Chesapeake Bay Mortgage get lower rates than most banks because they shop wholesale lenders rather than offering one bank’s retail rate. Adam Charney has access to more than 270 wholesale lenders through NEXA Lending, and these lenders compete for your loan, which typically results in a better rate than a single bank can offer.

Mortgage rates change every business day and sometimes multiple times within the same day based on bond market movement and economic news. Locking your rate with Chesapeake Bay Mortgage protects you from rate increases between application and closing, and Adam Charney monitors the market daily through MBS Highway to time rate locks strategically.

To qualify for the best mortgage rates in Virginia, most lenders look for a credit score of 740 or higher on conventional loans, while FHA loans accept scores as low as 580 and VA loans often have no minimum credit requirement from the VA itself. Adam Charney can review your credit and match you with the lender that offers the lowest rate for your exact score.

Yes, some lenders offer rate locks before you have a signed purchase contract, often called a float-down or extended lock, typically lasting 60 to 90 days. Chesapeake Bay Mortgage can identify which of its 270 plus wholesale lenders currently offer the best lock programs in Virginia, so call 757-996-5020 to discuss your timeline.