Elizabeth Carriere | SouthState Mortgage

David Havlik, a mortgage banker since 2006, moved to Charlotte in 1998 from Dallas, Texas. He has seen tremendous growth in the Charlotte area over the years and believes now is the beginning of yet another economic surge that Charlotte and its neighboring communities will experience during the next 10 years. David began his career in mortgage lending as a broker in 2006 at the tail end of a booming market. He then witnessed and worked through the great real estate downturn in the years that followed. In October of 2012 he became a retail mortgage banker. In 2014 David started as a Mortgage Banker with SouthState. This change has allowed David to offer a more robust product solution set to his clients and to deepen his focus on relationship banking. David continues to work closely with Charlotte's top producing agents while providing customized lending products to first\-time home buyers and high net\-worth clients. David's sales philosophy is not one of sales but one of service. David operates in a customer\-centric fashion driven by maintaining open lines of communication with all parties involved in the transaction. He sets proper expectations and provides regular updates for clients and partners allowing for a smooth closing experience.

With a career spanning over three decades, Charlene Davis is a seasoned professional in the mortgage banking industry. Currently serving as Vice President, specializing in Community Reinvestment Act (CRA) Mortgage Banking, she has dedicated her expertise to making homeownership dreams a reality, particularly for first-time homebuyers. Charlene's educational journey began at Winthrop University in 1980, where she earned her Bachelor of Arts in English Education. This background instilled in her strong communication and analytical skills, as well as a deep commitment to personal and community development. Throughout her extensive professional journey, Charlene has excelled in facilitating first-home buyer loans and Down Payment Assistance programs. Her proficiency extends to originating various local, state, and national down payment assistance initiatives and working closely with community development offices across the state. Her profound knowledge and unwavering dedication have made her a driving force in promoting accessible homeownership. Beyond her professional commitments, Charlene actively contributes to a range of organizations. She is a valued member of Charlotte Crown, providing leadership and support to its initiatives. Additionally, her role as Assistant Treasurer within the Local NAREB (National Association of Real Estate Brokers) Affiliation underscores her dedication to equitable and sustainable homeownership. As a member of Alpha Kappa Alpha Sorority, Inc. Omega Tau Omega Chapter, Charlene engages in community service and leadership, leaving a lasting impact. A passion for culture and music finds expression in Charlene's involvement with the Charlotte Contemporary Ensemble. She enriches the cultural fabric of Charlotte through her participation. Charlene is more than a professional; she's a well-rounded individual with a diverse set of hobbies, including traveling, reading, singing, and shopping. Her personal interests mirror her commitment to a fulfilling and balanced life. Charlene Davis's heart for community and wealth of experience has made her a standout professional in the mortgage banking industry. Her dedication, community involvement, and vibrant personal life collectively embody an exceptional individual who continues to make significant contributions to the field. In her personal life, she cherishes her role as "Gigi" to four spirited grandchildren, underscoring her profound commitment to family and community support.

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!