Adam Charney, The Mortgage Mayor, is a 29-year mortgage broker and the elected Mayor of Cape Charles. Chesapeake Bay Mortgage helps Eastern Shore families buy, build, and refinance, in person on the Shore or remotely from anywhere. Book a call below.
★★★★★ 5.0 · 12 Reviews · NMLS #220477 · BBB A+
Chesapeake Bay Mortgage is based in Cape Charles and serves every community on Virginia’s Eastern Shore, both in person and through a fully remote loan process. Adam Charney has worked in mortgage lending for 29 years and lives on the Shore, where he also serves as Mayor of Cape Charles. Buyers in Northampton County and Accomack County work directly with Adam from first call to closing. The firm is licensed in Virginia and six other states, so relocating buyers and out-of-state second-home purchasers can be served without an office visit.
Chesapeake Bay Mortgage is based in Cape Charles and serves every community on Virginia’s Eastern Shore, both in person and through a fully remote loan process. Adam Charney has worked in mortgage lending for 29 years and lives on the Shore, where he also serves as Mayor of Cape Charles. Buyers in Northampton County and Accomack County work directly with Adam from first call to closing. The firm is licensed in Virginia and six other states, so relocating buyers and out-of-state second-home purchasers can be served without an office visit.
Adam Charney is a Certified Divorce Lending Professional and ranked in the Top 1% of NEXA Lending’s 3,600 loan officers nationwide in his first year (source: NEXA Lending). He is a 2-time Atlantic Bay Mortgage President’s Club honoree and a BBB Accredited Business with an A+ rating. License verification: NMLS #220477 at nmlsconsumeraccess.org. Chesapeake Bay Mortgage operates under NEXA Lending LLC, NMLS #1660690.
Mortgage Broker in Cape Charles — Our home base; Adam is Mayor here. (links to existing Cape Charles page)
Mortgage Broker in Exmore — The commercial center of mid-Northampton County.
Also serving: Cheriton, Eastville, Nassawadox, and Belle Haven.
Mortgage Broker in Chincoteague — Virginia’s only resort island; second-home and jumbo market.
Mortgage Broker in Onancock — The historic waterfront commercial hub of the lower Shore.
Also serving: Accomac, Onley, Painter, Parksley, Bloxom, Hallwood, Mappsville, Saxis, Wachapreague, and the island community of Tangier.
Chesapeake Bay Mortgage serves all of Virginia’s Eastern Shore — Northampton County and Accomack County — from its Cape Charles office.
Yes. Chesapeake Bay Mortgage serves every community in Northampton County and Accomack County, from Cape Charles at the southern tip to Chincoteague at the northern end. Adam Charney works with Eastern Shore buyers both in person at the Cape Charles office and through a fully remote loan process.
No. Chesapeake Bay Mortgage offers a complete remote loan process with electronic document signing. Eastern Shore buyers, relocating families, and out-of-state second-home purchasers can complete the entire mortgage from application to closing without an office visit.
The Mortgage Mayor is Adam Charney, a 29-year mortgage broker who is also the elected Mayor of Cape Charles, Virginia. He owns Chesapeake Bay Mortgage, Empowered by NEXA Lending, and serves homebuyers across Virginia’s Eastern Shore.
Book a call today. Adam Charney works every file personally — no handoffs, no call centers.
Adam Charney NMLS #220477 | NEXA Lending LLC NMLS #1660690 | AZBK #2006218 | Equal Housing Lender. Adam Charney is licensed in Delaware, Florida, Kentucky, Maryland, Pennsylvania, Texas, and Virginia. Adam Charney serves as Mayor of Cape Charles, Virginia in his individual capacity. Chesapeake Bay Mortgage, Empowered by NEXA Lending, is an independent business and is not affiliated with, sponsored by, or endorsed by the Town of Cape Charles or any government entity. The Mortgage Mayor is a personal brand identifier and does not imply governmental endorsement of mortgage services.
Rates subject to change. Subject to credit approval. Not a commitment to lend. [Privacy Policy] · Last Updated: June 2026
