When it comes to navigating the mortgage industry, having a dedicated and knowledgeable loan officer by your side can make all the difference. Meet Charles Christmas, a seasoned loan officer based in Ann Arbor, Michigan, who has been serving clients at Gold Star Mortgage Financial Group since 2007. With over two decades of experience in the real estate and mortgage industry, Charles has developed a reputation for delivering a five-star experience to his borrowers, clients, and REALTOR® partners.

“I started on the real estate side in 1999,” explains Charles. “I did that for a little while. I always liked the numbers side of the transaction.” Following his heart, he got into the mortgage industry in 2001. 

“I really like working with people and getting them into homes,” he comments. 

 As a loan officer, Charles plays a pivotal role in assisting clients throughout the mortgage process. He understands that for most people, obtaining a mortgage is an essential component of their homeownership journey, and he is dedicated to making the process as smooth and efficient as possible.

Gold Star Financial is a privately-owned mortgage company founded in 2000, and Charles joined the company during a crucial time. As the housing crisis hit in 2008, the industry faced significant challenges, and many professionals needed to find new homes for their expertise. Charles and Gold Star Financial not only weathered the storm but grew and expanded their operations. Today, Gold Star Financial has coast-to-coast offices, and Charles is licensed in 17 states, with a primary focus on Washtenaw and Livingston counties.

“Gold Star was a relatively small company when I joined,” explained Charles. “We actually grew quite significantly through the housing crisis in 2008.” Their growth during the Great Recession speaks volumes about their level of client satisfaction.

One of the key reasons clients choose Charles is the exceptional service he provides. He prides himself on delivering a streamlined and efficient experience, ensuring that things get done quickly and effectively. Charles and his team have direct access to the necessary resources, including underwriters, executives, and closers, which allows them to tackle challenges without any middleman management. Charles explains, “Everyone in the company has access to everyone on every level.” This simplifies and expedites the mortgage process for all parties involved.

By leveraging technology and implementing electronic documents, Charles has further streamlined the closing process, reducing the time and effort required from borrowers. Documents can be signed in advance, which reduces the closing down to 30 minutes. This commitment to efficiency extends to communication, where Charles customizes his approach based on the preferences of his clients, whether they prefer phone calls or text messages.

“REALTORS® don’t have to worry about the loan process,” explains Charles. With notifications and an efficient system, Charles aims to make it as easy as possible for real estate professionals as cash transactions.

Here are a few rave reviews from Charles’ clients:

“Charles was very kind and helpful. We worked without a REALTOR®, and Charles went above and beyond to make sure everything went well. We’re forever grateful.” - Donny and Elizabeth from Petersburg, MI

Easiest Mortgage - Fast & Simple Process
“Charles and Dave were absolutely incredible. This was the easiest and least stressful mortgage experience I’ve ever had. They were on time, knowledgeable and also had the best rate  anywhere. What more can you ask for? Couldn’t recommend them highly enough!” - Ben from Ann Arbor, MI

“Charles and his team are simply the best at what they do. This was our second home purchase with financing through Charles/Gold Star and our experience was fantastic again. We had some unique aspects to our finances that Charles navigated with ease and, when needed, detailed explanations. Unlike large banks, Charles works with you from day one to gather your paperwork and financial information so that when you make an offer on a house, you can do so with complete confidence that you can close if the offer is accepted--We cannot overstate how critical this is in a hot housing market. Charles and his team are thorough, communicative and kind. It was a pleasure working with them again.” - Gibbs Family from Saline, MI

Committed to the Community 

Beyond his dedication to providing excellent service, Charles is deeply invested in his local community. He resides in Ann Arbor's old west side with his wife Lindsay and their four-year-old daughter named Ellsy. As season ticket holders for University of Michigan football, the family enjoys supporting the local team and being active members of the community. They live close to the stadium, which makes it convenient for games. “We’re also skiers and like going on ski trips,” says Charles. 

Charles, who met his wife in Ann Arbor, decided to stay. “It’s a great place to start a family and for our daughter to go to school,” he explains. They wouldn’t live anywhere else. They are invested in the local community and the school system.

Charles's expertise and commitment to his clients have garnered him high praise and positive testimonials. His ability to anticipate and solve problems quickly, combined with his exceptional communication skills, has made him a favorite among borrowers and referral partners alike. Whether clients are first-time homebuyers, move-up borrowers, or those relocating, Charles goes the extra mile to ensure their financing needs are met.

If you're seeking a loan officer who will provide invaluable guidance, exceptional service, and a stress-free mortgage experience for your clients, look no further than Charles Christmas. His expertise, dedication, and commitment to his clients set him apart in the industry. To learn more about Charles and his services, visit his Zillow profile or reach out through Gold Star Financial's website.