I have been in the mortgage and real estate industry for over 27 years and am fluent in Spanish. I enjoy talking to buyers who want to buy a home, but don't know where to begin. After our first interview, you will become very knowledgeable in the mortgage process. I will stay in touch with you until you are in your new house in order to create long lasting relationship.
I am always available, and I pride myself in always talking and meeting face to face with my customers. When you call me for help with the financing of your home, you get to talk to me personally. I have a group of professional, full time real estate agents, as well as attorneys, home inspectors and insurance agents that have proven to meet the needs of my customers the same way that I do. I will refer you to my partners, if needed, for the best home buying experience.
I have extensive experience with FHA and VA financing, and am proficient with helping first-time homebuyers using the IHDA Illinois loan program, which offers a $7,500 grant to first-time homebuyers. Contact me to start your homebuying journey.
I thought buying a property was very difficult, but you guys make this so much easier for me and my family, thanks again.- Juan L.
It was a pleasure working with First Centennial Mortgage for our home purchase. They were very communicative, efficient and friendly!- Vanda T.
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Need a few moments to crunch some numbers? Our easy-to-use calculator will help you get a basic visual of a mortgage payment to help you decide what you can afford.
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Types of LoansWhich type is right for you?
First Centennial Mortgage offers a full menu of loan products. Whether you are buying your first home, moving up to a nicer home, relocating or want to refinance your current home, we have a loan that will fit your needs. To get started, contact me online or call 630.802.0431 to get in touch.
Fixed-rate home loans are the most common type of home loan in the mortgage industry. This option is low-risk and gives you predictable monthly principle and interest (P&I) payments for the next 15 or 30 years, depending on which loan term you choose. Fixed-rate loans are reliable for long-term owners ready to settle in one place for a long period of time.
An adjustable rate mortgage (ARM) is ideal for borrowers who plan to move within five years. ARMs take advantage of a low "introductory" interest rate so the loan stays at the same rate typically for 5, 7 or 10 years. Once the introductory period expires, the interest rate changes with the movement of an "index" (major interest rate). Following this movement, the amount of monthly interest either increases or decreases.
Conventional home loans are not backed by a federal agency, such as the U.S. Department of Veteran Affairs, U.S. Department of Agriculture or Federal Housing Administration. Conventional loans are idea for people with a stable job, income and good credit. Conventional home loans are more flexible in their terms and have fewer restrictions compared to government-backed products.
Federal Housing Authority (FHA) loans are government assured and are ideal for people with limited income or money for a down payment. These loans typically help first-time homebuyers, seniors or others with limits on what they can afford.
Jumbo home loans are considered non-conforming mortgages. They are for purchases with a loan value above the federal standard of $484,350, although that number varies based on location. For a home with a purchase price above this limit, a jumbo loan is needed.
Veterans Affairs (VA) home loans are a great benefit to military personnel during and after their service. These loans are partly guaranteed (typically a quarter of loan value) by the U.S. Department of Veterans Affairs.