Thor Chitow

Senior Loan Officer

The Greater Charlotte Area

North Carolina . South Carolina . Florida . Georgia

NMLS: 920723


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Geneva Financial, LLC -  Charlotte, North Carolina

and serving South Carolina



As an experienced dedicated lending professional Thor Chitow ensures his clients fully understand the home financing options he can offer them. In a time of automation and virtual platforms it is refreshing to be able reach someone on the phone at all times that will be able to explain things in a way that anyone can understand. Thor will go above and beyond to get things done in a quick and efficient manner.

Thor loves helping people from all walks of life with purchases and refinances. Thor specializes in borrowers with unique situations, such as credit issues, housing challenges, and alternative sources of income. With a huge portfolio of loan products Thor can find a program that caters to each client’s needs.

Originally from South Florida Thor moved to North Carolina following hurricane Wilma to be closer to extended family and has called the Carolina’s home since then. He currently lives in Mooresville, NC with his wife, son, and 2 French Bulldogs. In his spare time Thor enjoys cooking, woodworking, and spending time in the mountains and the beach with family and friends. Thor’s wife works for Johnson & Wales University in Academic Services.

Thor Chitow and family North Carolina Home Loans.jpg

Client Reviews with Thor Chitow - Geneva Financial LLC.

Loved working with Thor! Made our process painless and seamless; he is patient, kind and knowledgeable. We are grateful to have been connected to him! THANK YOUUUUUUUUUUUU!

This was my first time buying a home. Thor was quick to answer any questions/give feedback.  He was super helpful & easy to work with! I would recommend him to anyone.

Thor was more than great, as a first time homebuyer I never thought I'd be able to get approved for a loan and this man made it possible! He was fast, reliable and knowledgeable. Would definitely recommend him!

Thor and the rest of his team were great to work with on our 10 year mortgage refinance. We will end up saving close to $40,000....even though we are refinancing our previously low interest rate 15 year fixed mortgage loan. He assured me that he would always be available to me and backed it up by emailing me a reply almost immediately on a Sunday, not even a standard workday for him. We had an unusual circumstance as well for which we had in the past had to provide endless documentation and handwritten letters of explanation but for which this group accepted upon presentation of legal document support. Done...and done! The whole group was easy to work with, knowledgeable and very responsive to questions. Easiest and most enjoyable finance experience ever. We would work with him again and have already recommended Thor to friends and family!

The interest rate was comparatively less than that of other lenders I shopped. Thor was reachable any time and answered all my questions to complete the refinancing smoothly.

Thor was great to work with, and I would gladly deal with him again. He patiently answered all our questions, was very knowledgeable and explained things in plain English.  

My VA loan was processed, approved, and funded in the time originally promised. Everything was done electronically over the internet and the status was continually updated to keep me informed of the progress throughout the system. All this plus the best rate available anywhere.