Services
Loan Types
Conventional Loans are mortgages that are not insured by the government. To qualify for a conventional loan, you must have a good credit score and down payment.
A Jumbo Loan is a type of mortgage loan that exceeds the conventional loan limits set by government-sponsored entities. These loans typically require a larger down payment and a higher credit score.
VA Home Loans are a type of mortgage loan that is guaranteed by the US Department of Veterans Affairs. VA Home Loans can be used to purchase a home or refinancing an existing mortgag.
FHA Loans are mortgages that are insured by the Federal Housing Administration (FHA). This means that if you default on your loan, the FHA will reimburse the lender for any losses they incur.
The USDA Home Loan is a government-backed mortgage program that helps low- and moderate-income households buy homes in rural and suburban areas.
Portfolio Lending could be a solution for those with unique financial needs. These mortgages are held by portfolio lenders and can offer customized rates, terms, and eligibility criteria not available to conventional borrowers.
A HELOC, or Home Equity Line of Credit, is a type of loan that allows you to borrow against the equity in your home. This can be a great option if you need to finance a large purchase or if you need a line of credit for emergencies.
Loan Programs
A Fixed-Rate Mortgage is a type of mortgage in which the interest rate is set for the entire term of the loan. Fixed-Rate Mortgages are popular because they offer stability and predictability.
The Adjustable Rate Mortgage (ARM) is one of the most popular. An ARM loans can be a good option if you plan to stay in your home for only a few years.
A Temporary Buydown is a financing option that can help you get into the home of your dreams by temporarily reducing your mortgage interest rate. It’s a great way to reduce your monthly payments.
Boris Cherner Mortgage Lender
Purchasing or refinancing your home is a complex undertaking that involves a number of participants and variables. I have been in the mortgage industry since 1997 and I understand the anxiety that comes with making the most expensive investment of a lifetime. My objective is to be your advisor, to educate you and to make the mortgage loan transaction as transparent and as stress-free as possible. I enjoy establishing personal connections and work mostly by referral. I thoroughly explain the process and available options, and guide my clients to make choices that best fit their needs and financial goals. Once the underwriting begins I communicate regularly and keep my clients apprised of the loan status from the beginning through the end. My relationship with clients does not end at the closing table. You are my client for life and I am always available to answer your questions and provide you with guidance.
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Services Reviews
I highly recommend Boris. I've had the opportunity to do business with Boris several times. He's most knowledgeable and a great guy with whom to work.
I have worked with Boris Cherner from Capital Bank at couple of occasions.. it has always been a pleasurable experience.. Boris always goes extra mile to help and do his job.. He is quick in responding with accurate info.. Boris is such a friendly person to work with, will be reaching out to him for all my future mortgage needs.. thanks Boris
Boris is the best mortgage lender that I have ever worked with! He has helped me for 20+ years now with my mortgages, refinanced, and HELOCs. Even when I thought there was no way I could afford a second or third property, Boris saves the day and gives me solutions that work. He is an expert, he explains everything, and he follows through. He makes dreams come true!
Have used Boris for years now and always recommend him to friends and family. Very easy to work with and will continue to go to him!
This is my 3rd time working with Boris and Capital Bank.Boris has been incredibly helpful, patient, and kind. He takes my calls and answers my emails/texts at all hours to ensure I have everything necessary to close on time.When purchasing my first home in 2018 I encountered an issue where the sale was likely to fall through due to financial constraints. However, Boris continued to work with me to figure it out. It really felt like he was rooting for me and with his help I was able to purchase the home using my VA benefits.In 2020 I moved and purchased another home with the help of Boris. Now I’m working with him for a 3rd time. I’ve even recommended a close friend to Capital Bank, and would recommend anyone else to do so.
Boris Cherner has helped me with multiple refinances of my home. He makes the process easy and straightforward. He has helped me to save a lot of money. Best interest rates too!
I just bought my first home and used Boris as my lender. He was extremely helpful and very available at all times of the day. Whenever I had questions, I would text and he would immediately call me to explain in detail. He is extremely knowledgeable in all loans especially the VA loans. I highly recommend Boris for his services.
Boris is my go-to guy when I need to get a loan. He was highly recommended in one of the professional forums.When the rates went down and his organization's policy did not allow the rate adjustment, he put my best interest first and let me know that I could look at other options outside. That's when I knew that he would do what was best for his customers.In my recent complex loan, Boris was a problem solver and guided me through a successful closing. He is very knowledgeable and quick to respond. I have recommended him to all my friends and contacts.
Boris was recommended to us by some neighbors. We refinance our house mortgage with him and the experience was great. He help us on all the steps along the way and he is always eager to give us good advice. We recommend him and we will keep using his services in the future.
Recommended by a close friend of mine, I reached out to Boris for assistance in purchasing a home. I was impressed from the first time we spoke. His knowledge and professionalism exceeds any expectations I had. Boris was quick to respond, answer any questions, and be there whenever I needed him throughout the entire process. He did everything for me possible which made the process simple for me. I would recommend Boris to anyone! He is reliable, trustworthy and exceptional in his field!
Boris helped me buy two homes and refinance one. He is both professional and competent. Most important of all, he is an honest man. I highly recommend using him!
Boris is very professional and get our loan refinanced done on time and easy
Boris is one of most experienced and knowledgeful mortgage professional. In my refinancing process he explained each and every step very clearly and supported me in complete process with 100% transparency. I would work with him again and recommend to others!
Boris was recommended to me a couple years ago by my daughter. He was exceptionally easy to work with and kept us informed every step of the way. When interest rates went down .5 he recommended a streamline refi. Which was even easier. I strongly recommend Boris if you are looking for a loan, VA or otherwise.
I've had excellent experiences with Boris, both on the refinance side and the new home mortgage side. He has always been very responsive, patient, clearly communicative, informative, and able to provide the most competitive rates. I'd highly recommend working with him.
Boris is an absolutely exceptional Mortgage Banker! He has helped me through two mortgage refinances and my father-in-law through one. Because I had such a great experience with him through my first refinance, I specifically sought him out when I was looking for my second and when my father-in-law was looking to complete his. Boris goes above and beyond for his clients and he always ensures that their best interests are the top priority.You will not find a better Mortgage Banker than Boris!
Boris is one of the most seasoned and experienced mortgage professional I have ever worked with. He patiently explained to me the mortgage refinance process, answered every question I had in detail and never pressured me to make a decision. He is equally great with paper work and ensuring the mortgage process completes on time without any issues. I will highly recommend Boris Cherner whether you are a first time home buyer or refinancing your property.
Boris was a wonderful person to work with during my first home-buying experience. He got me the best rates while also being incredibly patient and supportive, educating me and guiding me every step of the way. He let me know exactly what to expect and there were no surprises at any point during the purchase and lending process. He made sure the process was smooth and painless, and was constantly in touch from start to end so things could move along. I highly recommend Boris!
I have refinanced my home loan 2 times with the help of Boris. He is such a patient person who is never tired of answering your queries.He also knows the stuff he's doing.I had recommended Boris to atleast 15 people in my community and everyone got the best support
I worked with Boris and his team on mortgage refinance of my home. The level of care, attention to detail, and professionalism demonstrated by Boris far surpassed my expectations. I really appreciated his knowledge, honesty and transparency throughout the mortgage refi process. Boris stays on top of every detail and is there for you every step of the way to answer any questions and address any concerns. I highly recommend Mr. Cherner and his team for all your mortgage needs!! A++++++
I have had the pleasure of working with Mr. Cherner for the home mortgage needs, and the satisfying experience leading to recommend my two other friends - who also had similar thoughts and an enjoyable experience. What stood out to me was his advise on getting the best rates, but also hand-holding at every step on the documentation needs (which becomes overwhelming). If you are in the market looking for for experience and good value, reach out to Boris. I hope you will not be disappointed.
I was lucky enough to meet Mr. Boris in my real estate investment journey during the last 5 years. I worked with him for my 3rd primary residence refinance loan and 4th primary residence loan. I had excellent outcomes from both. I am very happy with that and definitely, I really want to work with him for my future homes for sure.As a customer, I always think communication is the top priority. Whenever I had some questions and needed some advice on my loan options, he was always there and answered quickly within an hour during business hours. Last time, I had some emergency matter during weekends with my loan and he definitely spent his off-duty time for helping me out. I am so sorry about that sincerely.With that being said, he is a very professional and subject matter expert. He always had many options and guided me with the best option in my situation. Also, his loan rate is very competitive to other loan companies. It tremendously supported my real estate investment journey.
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