Rosa Chavarria

Mortgage Banker

NMLS #: 414535

110 East Boulevard #1500, Charlotte, NC 28203

Rosa Chavarria | SouthState Mortgage

About Rosa Chavarria

Rosa A. Chavarria has over 30 years of experience in mortgage banking. She has a bachelor's degree in educational studies from Belmont Abbey College. Rosa is very knowledgeable with down payment assistance programs in conventional and government mortgage loan products. She works with a full range of borrowers and especially enjoys working with first time homebuyers. Rosa ensures each homebuyer is comfortable with their new home purchase and they fully understand the mortgage transaction. Purchasing a home or refinancing your existing home can be very exciting but a bit stressful. Rosa's experience with the mortgage process allows her to guide you to the result you are looking for in a smooth and professional manner. As a Mortgage Banker, Rosa is always there to answer your questions and help to make your dream of homeownership come true.

Reach out to Rosa today to get started!
Couple buying a home with an FHA Loan

FHA Loans

A Great Option for First Time Home Buyers

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family finding homes with affordable mortgage options

Buyer's Advantage

Helping You Achieve Homeownership

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Individual and family homebuyers assistance funding

Opportunity Advantage

Assistance for Qualified Home Buyers

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First-Time Buyer Resources

  • Resources for first-time homebuyers
  • Tips for improving your credit score
  • Get information on pre-qualifying
  • Learn about the loan process
  • Find a checklist of information you'll need to gather
  • Learn about Down Payment Assistance programs
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Recent Reviews

5 stars
Google   •   SouthState Bank
03/16/2026
I had an outstanding experience working with Rosa Chavarria and Anna Brown at SouthState Bank. From the very beginning of our journey, they went far beyond what we expected and truly made the entire process smooth and understandable. Rosa, as a CRA Mortgage Banker, was incredibly knowledgeable, attentive, and supportive every step of the way. She consistently kept us informed, guided us through each stage, and made sure we always felt confident about what was happening. Her dedication, professionalism, and genuine commitment to helping us reach our goal truly stood out. It was clear that she was deeply invested in making sure everything moved forward successfully. Anna, the underwriter, was absolutely exceptional. Her expertise, attention to detail, and determination played a crucial role in our process. At a moment when things seemed extremely difficult, she worked diligently to review and move everything forward, and thanks to her effort and persistence, what felt almost impossible for us became a reality. Her professionalism, efficiency, and problem-solving abilities made a tremendous difference, and we are incredibly grateful for the work she put into making everything come together. Together, Rosa and Anna made an amazing team. Their experience, communication, and willingness to go above and beyond gave us so much confidence throughout the process. It’s rare to find professionals who are not only highly skilled but also truly kind, patient, and committed to their clients. We are extremely grateful for their help and would highly recommend Rosa Chavarria and Anna Brown to anyone looking for trustworthy, knowledgeable, and dedicated professionals. Thank you both for making this such a positive and memorable experience!
5 stars
Google   •   SouthState Bank
02/24/2026
Very attentive to the client. Very personable. Went above a d beyond preparing a file of important documents for me at closing. Very professional. Thanks Rosa. I appreciate you. GOD BLESS.
5 stars
Google   •   SouthState Bank
12/16/2025
Fue un placer haber trabajado con La Sra Rosa Chavarria. Realmente ella hizo que nuestro proceso fuera mas rápido. Son pocos los prestamistas que estan allí todo el tiempo pendiente de cada cosa , trabajando incluso los fines de semanas con el fin de ayudar al cliente. . 100% recomiendo sus servicios.

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