With more than 12 years of mortgage experience, I have helped countless families and individuals achieve their dreams of homeownership. I work with many first-time home buyers, many of whom may benefit from down payment and closing cost assistance programs. I am licensed in Illinois and eager to help you reach your dreams of purchasing a home in the Chicagoland area.
When you work with me, I go above and beyond to ensure that your home financing fits your unique circumstances. I am passionate about doing quality work for my customers. My goal is to open the door to homeownership and help you reach your goals. The biggest reward I receive is seeing the excitement of my customers enjoying their new home.
I am originally from the Philippines and moved to Chicago in 1991. I spent several years living in New York, where I gained valuable experience as a real estate professional. When not helping clients, I enjoy traveling to the Wonders of the World and ancient ruins, scuba diving, and training for triathlons. I am also an avid fan of the arts and enjoy theater. Community is also important to me and I volunteer for various nonprofit organizations, including AREAA, NAHREP, and Circa-Pintig Community Group.
Process was quick and painless; had to accumulate and send the typical income verification and other doucmentation, and First Centennial took care of the rest.- Holly J.
The First Centennial Team made it happen for a smooth closing today! The purchase was quick. Thank you all for your hard work!- John D.
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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 773.245.6261 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 $453,100, 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.