get ready for

A lending team that’s focused on you.

With over four decades of mortgage experience, Charley Perry has helped thousands of homebuyers and homeowners confidently navigate the home financing process. 

Since entering the mortgage industry in 1978, Charley has built a rep0utation for exceptional client care, deep lending expertise, and a commitment to educating borrowers at every step.

Licensed in all 50 states, Charley primarily serves clients across Georgia, Alabama, and Tennessee, with specialized expertise in markets such as Nashville, Northwest Georgia, and communities surrounding Weiss Lake.

Her approach is simple: responsive communication, personalized guidance, and always doing what’s best for her clients.

Experience That Builds Confidence

Charley’s mortgage career began as a receptionist and expanded into roles as:

• Loan processor
• Mortgage underwriter
• Corporate trainer
• Sales manager
• Producing branch manager

With full-spectrum industry experience, Charley can anticipate challenges, streamline approvals, and help her clients understand their financing options with clarity and confidence.

More than 36% of her business comes from repeat clients and referrals, which is a reflection of the long-term relationships she builds. 

She has also earned recognition in the top 1% of mortgage originators and received multiple Platinum and Gold awards from the Mortgage Bankers Association of Georgia.

With over 500 five-star reviews, Charley is known for delivering a smooth, transparent, and supportive lending experience.

A Client-First Mortgage Experience

Charley and her team offer:

• Clear, proactive communication
• Education throughout the loan process
• Fast response times
• Personalized loan solutions
• Long-term client relationships

“I have the honor of working with second- and third-generation clients,” Charley says. “We treat our clients the way we would want our own families treated.”

Loan Programs & Services

Charley helps clients with a wide range of mortgage solutions, including:

• Home purchase loans
• Mortgage refinancing
• Conventional loans
• FHA loans
• VA loans
• Jumbo loans
• Investment property financing
• First-time homebuyer programs

Local Expertise & Service Areas

While licensed with Luminate Bank in all 50 states, Charley provides deep local market expertise in:

• Northwest Georgia (Calhoun, Rome, Cartersville, Blue Ridge)
• Cherokee County, Alabama
• Weiss Lake, Alabama communities
• Nashville, Tennessee metro area
• Georgia, Alabama, and Tennessee

Community Involvement

Charley believes strongly in giving back. Each year, her team sponsors community initiatives including:

• Keep Gordon Warm coat drive
• Holiday programs for families and children
• Local food bank support
• Outreach for underserved communities

Outside of the Office

Outside of mortgage lending, Charley enjoys cooking, entertaining, and spending time with her family at her home on Weiss Lake. She and her husband, Stan, have been married for over 40 years and share three children and two grandchildren.

Who is Charley Perry?

Charley Perry is a senior mortgage loan officer at Luminate Bank with over 40 years of experience helping clients with home purchase loans, refinancing, and mortgage planning. She is licensed in all 50 states and specializes in the Georgia, Alabama, and Tennessee markets.

What types of home loans does Charley Perry offer?

She offers a wide variety of mortgage loans, including conventional loans, FHA loans, VA loans, jumbo loans, refinance loans, and first-time homebuyer programs.

Where does Charley Perry provide mortgage services?

Charley is licensed nationwide and primarily serves clients in Georgia, Alabama, and Tennessee, including Nashville, Northwest Georgia, and communities around Weiss Lake, Alabama.

How experienced is Charley Perry in mortgage lending?

Charley has worked in the mortgage industry since 1978 and has experience in underwriting, processing, training, and branch management.

Why choose Charley Perry as a mortgage lender?

Clients choose Charley for her responsiveness, clear communication, educational approach, and personalized loan guidance. Over 36% of her business comes from repeat clients and referrals, and she has over 500 five-star reviews.