A first place.
A fresh start.
Bring your questions about the homebuying process, down payments, and preparing for a mortgage conversation.
Plan your first move ↗YOUR LOCAL MORTGAGE BANKER
A place to call home.
A path to get there.
Your next chapter starts with a conversation. Let’s make sense of your mortgage options, together.
Explore your loan options ↗Charles Scheib
Senior Mortgage Banker · NMLS #1277577
Lending in Ohio, Michigan, Texas, and Florida. I help homebuyers and homeowners navigate their mortgage options with personal guidance and clear answers.
MORE THAN A MORTGAGE
The beginning of what’s next.
Midwest Mortgage Investments, Ltd.LET’S START HERE ↓
CHARLES SCHEIBToledo, Ohio · NMLS #1277577
PERSONAL SERVICE. PROFESSIONAL COMMITMENT.
Your goals.
My full attention.
I’m Charles Scheib, Senior Mortgage Banker with Midwest Mortgage Investments. I’ve been a licensed mortgage banker for over 11 years, closing over $500 million in funded loans. I take the time to understand your plans, explain your options, and keep you informed from our first conversation to closing.
Let’s get started ↗HOUSINGWIRE2025 RECOGNITION
100
Explore client experiences and current ratings on Google and Zillow.
YOUR HOME. YOUR NEXT CHAPTER.
Where are you headed?
Start with your goals. Then explore the financing questions that matter to you.
A first place.
New space.
New possibilities.
Think through your next purchase, your timeline, and how a new home fits into your plans.
Think ahead ↗Your home.
A new perspective.
Start a conversation about your current mortgage and what you would want a refinance to accomplish.
Consider your goals ↗FIND YOUR FINANCING FIT
Loan options, clearly explained.
Every home and financial situation is different. Let’s talk about which program fits your plans.
Conventional
A flexible starting point
Home financing that is not insured by a government agency. Options depend on your credit, down payment, property, and financial profile.
FHA
More ways to get started
Government-insured financing with flexible credit and down payment requirements. Mortgage insurance and other program requirements apply.
VA
For those who have served
Financing for eligible veterans, service members, and certain surviving spouses. No down payment may be available, subject to eligibility and lender requirements.
USDA
A home beyond the city
Financing for eligible homes in qualifying rural areas. Household income, property location, and other eligibility requirements apply.
Doctor Loan
Physician financing from Huntington Bank
A physician loan exclusively backed by Huntington Bank, designed for eligible medical professionals. Ask Charles about qualifications, available financing, and program requirements.
Non-QM Loans
For self-employed borrowers and investors
Bank statement programs offer alternative income documentation for eligible self-employed borrowers. DSCR loans evaluate investment-property rental income relative to debt payments. Credit, down payment, and property requirements apply.
Program availability and eligibility vary. All loans are subject to lender approval.
Discuss your options ↗THE ADVANTAGE OF GOING DIRECT
Work directly with your lender.
Put experience on your side.
Work with a mortgage banker at the company making your loan. A broker acts as a middleman between you and an outside lender. Going direct gives you a relationship with the lending team and a clear place to discuss your options, costs, and opportunities to save.
01
Direct communication
Work with a mortgage banker who knows the lender’s programs and can explain the steps in its loan process.
02
Closer coordination
A direct lending team can coordinate your application, underwriting questions, and closing requirements within its process.
03
Personal guidance
Have a dedicated contact to help you understand your options, prepare documents, and stay informed as your loan progresses.
| What to compare | Mortgage banker / direct lender | Mortgage broker |
|---|---|---|
| Your lending relationship | Work directly with the company making your loan. | A broker acts as an intermediary with an outside lender. |
| Understanding your options | Get guidance from a mortgage banker familiar with the lender’s programs and requirements. | The broker presents options from participating outside lenders. |
| Rates and savings | Discuss pricing directly with the lender and compare rates, points, and fees to find potential savings. | Pricing comes from the selected lender; broker compensation is also part of the transaction. |
| Communication | A direct contact within the lending company to help coordinate questions and next steps. | The broker coordinates with a separate lending company on your behalf. |
My focus is helping you understand your costs and find financing that fits your goals. Savings vary by loan; compare Loan Estimates, including rates, points, and fees. Working directly with a lender does not guarantee the lowest cost. Learn more from the CFPB ↗
Talk with Charles ↗A clearer view of the market
Today’s market.
Your possibilities.
A market snapshot is a starting point. Your mortgage rate should reflect your plans.
Daily market benchmarks
Mortgage News Daily publishes its index on weekdays. Visit the source link to check the latest publication date.
Panel unavailable? View the latest rates at Mortgage News Daily ↗
LET’S FIND YOUR FIT
Get my
personalized rate.
Buying a home or refinancing? Let’s talk about your goals and compare the loan options available for your situation.
- Conventional, FHA, VA, and other loan options
- A conversation about your budget and timing
- Clear explanations of rates, points, and closing costs
The third-party rates shown are market benchmarks, not offers from Charles Scheib or Midwest Mortgage Investments, Ltd. Actual rates, APRs, and costs depend on your qualifications, property, loan terms, and market conditions. Ask for a personalized quote and applicable disclosures.
A MORE PERSONAL APPROACH
Big decisions deserve
a real conversation.
A mortgage is part of a bigger picture: your home, your plans, and your life. That’s where our conversation begins.
01
Start with what matters to you
Your goals and timing set the direction.
02
Make room for your questions
Understand the next step before taking it.
03
Keep the bigger picture in view
Consider how home financing fits your plans.
PEOPLE. HOMES. NEW BEGINNINGS.
You’re more than a loan number.
Real people. Meaningful milestones. A few moments with the clients and community I’m proud to serve.
Read my Zillow reviews ↗
ROOTED IN OUR COMMUNITY
#1 Local Police and Fire Lender
Local people.
Personal connections.
Proud to be part of the Toledo community, including the police officers, firefighters, and families who call it home.
Community photos and emblems do not imply endorsement by a government agency.
