Headshot of Michelle Rebok

Michelle Rebok

Branch Manager

Michelle Rebok Team

NMLS #475194

Adress
1130 Kennebec Drive
Chambersburg, PA 17201
Contact Methods
Email
tel Phone
717-398-3781
mobile Mobile
(717) 729-1415
Apply Now

Awards

2022 Scotsman Guide Top Originators
Inc. 5000
Top Work Places
Weatherhead 100
Top Mortgage Lender badge
Mortgage Bankers Association Member

About Michelle

Before focusing on home financing, I spent several years in banking, where I discovered my passion for helping individuals and families achieve their homeownership dreams. I have been a mortgage loan officer since 2005 and am licensed in Maryland, Pennsylvania, and South Carolina. I pride myself on my exceptional communication skills and extensive background in customer service, which allow me to provide my clients with comprehensive, personalized support throughout the home financing process. Educating my clients and business partners is a passion of mine. I ensure they are well-informed and confident in their decisions. My commitment to building lasting relationships is evident in my loyal client base, who trust my expertise and guidance.

As a Certified Veteran Mortgage Advisor, I specialize in VA loans, offering expertise to veterans and their families. In addition to VA loans, I offer a variety of loan programs, including USDA, FHA, and Conventional loans. I also provide down payment assistance programs and non-traditional financing options such as DSCR loans and bank statement loans.

Outside of work, I enjoy camping, reading, and spending time with my family. I was honored to receive the Ambassador of the Year award in 2023 from the CVBA Chamber. I also enjoy volunteering in my community and am actively involved with Habitat for Humanity and the Franklin County Veteran's Affairs.

I come to work as excited and energized today as I did when I started. Whether you're a first-time homebuyer or looking to refinance, you can count on me for professional, knowledgeable, and reliable service.

My Values: Integrity, Trust, Authenticity, Communication, Relationships

Specialties

  • Purchase and Refinance
  • Purchase
  • Refinance Loans
First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options

  • Home loans with as little as 3% down
  • Temporary buydowns to lower your mortgage rate at the start of your loan
  • Down payment assistance from national and state programs
  • Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership.
Let’s discuss your options today.

Contact Me

A homeowner and child waving goodbye to mortgage insurance with Bye-Bye PMI

Save on your mortgage every month

Say Bye-Bye PMI

 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI).

CCM Bye-Bye PMI offers qualified borrowers a conventional mortgage for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

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Recent Posts and Articles

Blog

  • Woman with laptop on her cell phone prepares for mortgage rates to drop.
    Published on

    Mortgage Rates: How To Prepare For A Drop

    Prepare for future rate drops with our guide on mortgage rates. Learn how to improve your credit, save for a down payment, and explore loan options to get ready.

  • A two-story white house with a vibrant garden exemplifies homeownership and the considerations for the average down payment on a house.
    Published on

    What is the Average Down Payment on a House?

    Curious what the average down payment is on a house? Learn how factors like home price, loan type, and location influence what you need to save in this guide.

  • A happy family, husband, wife, and child, standing in front of their home window, showcasing the benefits of a Home Equity Line of Credit (HELOC).
    Published on

    What Is A Home Equity Line Of Credit (HELOC)?

    Explore how a Home Equity Line of Credit (HELOC) can fund major expenses and learn about the application process, interest rates, and the pros and cons.

  • Parent organizing and labeling boxes in living room to prepare for new school year.
    Published on

    Home Organization Tips For The School Year

    Prepare your home for the new school year with these organizational tips: set up homework spaces, reorganize rooms, optimize the kitchen, and find storage.

Helping your home financing process go smoothly.

Resources

  • The Mortgage Process

    The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

We were well updated with every step of the process. The process went very smoothly; no issues encountered at all! The experience was very positive. Michelle was very accommodating, encouraging and competent! Thank you!
Jocelyn B.
Having multiple issues and questions about my credit and the process of buying my first home, I always felt comfortable sending Michelle random questions even after business hours, her and her associates made the entire process seem very easy and as stress free as possible
Jason H.

Michelle was always available to answer any question. She kept in contact throughout the whole process. She went above and beyond to get the job done. I would recommend her to anyone. Shes layed back but at the same time shes tough and gets the job done.

Beth O.
Was avalible late in the evenings if there was questions. Answered in a timely manner and was great at explaining things that we didnt understand. I really enjoyed working with Michelle and she was really great work with :)
Lindsey L.
The timelyness of the service was great and very important to me and my family to be able to purchase the home my wife really wanted when other places would have taken longer to get things done. Thank you so much for all you did.
Steven I.
Michelle was well knowledgeable and helped us navigate the home buying process with ease. As a first time home buyer I was a little nervous but Michelle was able to calm those nerves with constant updates and reassurances.
Timothy P.
Michelle was professional and pleasant from our very first meeting. She was available to meet around our schedules. She offered information and options and helped us through every step in the process. We appreciate her expertise and highly recommend Michelle and her team.
Paula C.
I was so nervous to begin the mortgage process so I procrastinated and finally decided to make the move. After working with Michelle I honestly thought had I known the experience was going to be this easy and great I wouldn't have waited so long or been so scared to start!! I highly recommend Michelle and her team for you mortgage needs!!
Amber A.
Michelle and her team are competent, professional folks that make the mortgage process very easy and fast. She has stayed in touch and offered sound advice around every obstacle that arose. Should I ever need mortgage services in the future I would not hesitate in the least to reach out to Michelle for my needs. It truly was a pleasure to have Michelle in my corner.
Dennis E.
Michelle and her team made the loan process for purchasing our home easy and as stress free! Any time we had a question or concern they always answered promptly, whether by phone or email. We got email updates constantly on the status of our loan so we were never left wondering when it would be completed. I would recommend Michelle and her team to anyone looking to buy a new home!
Elizabeth S.

Inspiration for your home loan journey.

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