About Kathy Cheatham

Kathy Cheatham got her start in the mortgage industry 30 years ago as a loan processor. She later changed roles and became a mortgage loan originator, allowing her to work with buyers on a more personal level. Having worked all sides of the loan transaction process for several years, Kathy is extremely knowledgeable about all aspects of the home financing process. She understands how to develop a mortgage solution perfect for each buyer’s unique needs. Whether you’re a first-time homebuyer, upgrading, downsizing or looking to refinance, Kathy can assist you with all your home financing needs.

When Kathy is not helping people obtain their dream home, she enjoys traveling with her husband and kids. She has two daughters, two grandchildren and a Boston Terrier named Lexi. During football season, Kathy enjoys watching her favorite team, the Baltimore Ravens. Kathy currently serves on the board of directors for the local real estate association and several other association committees. She is the VP of a local Business Networking International chapter (BNI). Having lived in Maryland her whole life and the Carrol County area for over 25 years, Kathy has a deep understanding of the local housing market and can assist with finding the perfect community for your next home.

With years of experience, let Kathy’s professional talent bring your dreams of homeownership to life!

What Our Customers Say About Me

Terri G. Mar-22
“Kathy and her team were wonderful from the beginning of the process to the end.”
Daniel R. Feb-22
“Kathy did a great job keeping us informed during the process and let us know what to expect each step of the way”
Mark Z. Jan-22
“As expected, Kathy met all expectations and was involved in the entire process. Her knowledge and expertise as a loan officer is top notch! I would not hesitate to recommend Homebridge in the future.”
Abraham Y. Jan-22
“Kathy is an asset to your company as well as Alina Muller.There was nothing that was too difficult for them.I felt like they were on my side and tried to do everything that was within their power to speed along the process.They were patient courteous and extremly attentive. I felt that they wanted to get the job done for me so much that they went over and beyond.Also, I used Homebridge because of Irv Shnidman.I think this is the third time I have done a mtge with him.He is a wonderrful person.”
Edward D. Nov-21
“Kathy clearly understood my goals in refinancing my mortgage and her and the Homebridge team were very responsive throughout the entire process. The process and next steps were always clearly explained.”
Joseph G. Nov-21
“Kahty Cheatham was great, very knowledgeable about everything .”
Shannan M. Oct-21
“Kathy was great!! She kept us informed throughout the whole process and made sure our closing happened on time!”
Brian G. Sep-21
“Kathy was absolutely wonderful to deal with in what is usually a headache of a process. She was extremely responsive to any and all questions, and the whole process was made seamless. Throughout the years of buying new homes and refinancing, this was by far the best experience that I have ever had. I have already passed her name on to several family and friends to work with her!!!”
Michelle K. Aug-21
“Kathy is amazing! To start, one of the reasons we won our home offer is because the realtor trusted Kathys experience level and reputation to get the closing done on time. Buying a home is stressful, but having Kathy help with the loan takes an entire stressor off your plate. You truly do not have to worry. I had lots of questions throughout the process and she was never judgmental or frustrated. She always took the time to explain things so I understood (even if she was definitely repeating herself). Kathy is an essential part of the home buying process and I will/do recommend her to all potential homebuyers.”
Bobbie S. Jul-21
“Kathy and Katie were both great explained everything I ask about . The experience went without any problems very easy process”
Hillary S. Jul-21
Margaret D. Apr-21
“The process was what I expected. Kathy would call or email when she need something. No problems with settlement. It went smoothly.”
Jennifer F. Feb-21
“Kathy was wonderful, as usual. My dad passed away during this time and Kathy handled everything and made sure I wasn't asked for things unless absolutely necessary. I am so grateful to her for her knowledge and kindness.”
Benjamin W. Feb-21
“Kathy was simply the best person to have handle our financial needs. She was extremely responsive, we got amazing rates, and strongly recommend her over anyone else!”
Lisa H. Feb-21
“Kathy was quick to respond, very knowledgeable, and made the whole process as painless as possible. I would highly recommend working with her.”
Pamela K. Jan-21
“Kathy was so helpful, patient and kind through the whole process. I will recommend her to anyone looking to refinance. Loved her !!!”
Lu C. Jan-21
“Kathy was very knowledgeable and was a pleasure to work with.”
Terence F. Dec-20
“Kathy did a great job from the beginning to end of the transaction. She is easy to work with, very responsive and always followed up.”
Heather G. Nov-20
“Kathy was fantastic to work with! In the past few years not only have I used her for closing on three loans, but I have also referred her anytime someone asks for a suggestion. She is amazing to work with and makes the process as smooth as possible. Definitely would use her again in the future!”
Donna M. Nov-20
“Kathy was amazing from beginning to end. She was professional, compassionate thorough and very knowledgable. I have already referred my sister to Kathy and will continue to send people to Kathy for her outstanding service.”
Kimberly W. Nov-20
“Kathy is always exceptional to work with. I felt well informed though the entire process.”
Melissa T. Oct-20
“Kathy was fantastic to work with. We appreciated her responsiveness and her ability to clearly explain things to us. We'll be sure to recommend her to friends and neighbors!”
Lawrence W. Aug-20
“Kathy was a pleasure to work with. She was very knowledgeable and explained everything throughout the whole process in great detail. It was honestly a much smoother process than I have imagined. I would highly recommend Kathy and Homebridge to anyone looking to buy a home!”
Scott T. Aug-20
“Worked with Kathy before, always a pleasure, great communication”
Sarah M. Aug-20
“Absolutely amazing! We were given in depth explanations, walk throughs of what to do, and she helped us find exactly what we needed to close everything. Will most definitely be recommending!”
Julie C. Jul-20
“Kathy was amazing! She answered all of our question no matter how frequently we asked. She was available whenever we needed her whether it was late at night or early in the morning. I've already recommended her to multiple people. She was honest and I felt as though she had our best interest at the forefront of work.”
Zachary M. Jul-20
“Kathy was amazing! She was very responsive and at no point did I ever question the process. I will definetely be recommending her to anybody looking for a home loan. Thank you Kathy!”
Cody P. Jul-20
“Kathy was a terrific loan officer for us! Extremely knowledgeable and always available to entertain our questions throughout the process.”
Zachary M. Jul-20
“Kathy was amazing! She was very responsive and at no point did I ever question the process. I will definetely be recommending her to anybody looking for a home loan. Thank you Kathy!”
David W. Jun-20
“I've used Kathy's services several times for multiple properties. She always has been great in meeting my needs and getting me the best prices and rates”
WENDY W. May-20
“You have one of the most competent loan offers in Kathy. She was always very responsive, she worked so hard on these loans for me and it was a very complicated series of transactions since funds were coming from a 1031 Exchange and I am a self-employed Realtor. It took me several years to be able to put everything together and Kathy was ready when I was. As a Realtor, I have recommended Kathy to other Realtors, and to my clients. This would not have been possible without her expertise. She was incredible!”
“Kathy was wonderful to work with! I've already recommended her to someone!”
“Kathy was wonderful to work with! I've already recommended her to someone!”
“Kathy was amazing!! So helpful and answered all my questions promptly and respectfully!”

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