Our team is committed to providing our clients with the highest quality financial services possible, combined with competitive rates for your area. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs. Whether you are purchasing your dream home, refinancing a current loan, or consolidating debt, our highly experienced team can help you find the right loan program, no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.
I was given misleading information along with false hope from several lenders. My experience with Korina was very positive from the beginning. In our initial consultation, she gave me a realistic guideline as what was needed in order to obtain a mortgage being self-employed. Korina went above and beyond to ensure that all of my documentation was up to date!- Jennifer G.
Korina was on top of explaining the process and our options from day one! She was able to get us a loan that we didn't expect and it really made a big difference for us. With the great communication, we always knew where we stood. When closing day came, it was a straightforward and relatively quick process!- Adam A.
We were told if Korina was our mortgage broker, we would have no delays or problems and we would close on time or sooner. We were able to close early. Korina also made the process simple and was very helpful with our questions. We had a great experience and we will use her again as well as refer her to others.- Richard R.
Korina was always there for us throughout the whole process. She answered all our questions, took time to explain every step and made sure we were comfortable and kept in the loop. Her approach to her profession is top notch.- Steven A.
I've used First Centennial Mortgage and Korina Bross twice now, each time everything has gone extremely smoothly. I feel I've been given the best rate and the best experienced people to help me close the loan.- Robert V.
Korina went above and beyond the expected customer experience. Her communication was superb. Her experience was proven by preparing us for what to expect every step of the way.- Amanda B.
She informed me of what I was signing and answered all of my questions thoroughly. She followed up with me several times a week via email or phone and was present during closing. I am beyond pleased with choosing Korina for this process. I would highly recommend her to family or friends who are in need of a mortgage!- Jennifer G.
Overall, the whole financing process was a smooth sail, thanks to Kornia's knowledge, attention to details and prompt responsiveness. I am really thankful to Korina and her team, for excellent execution of the whole process, while keeping it transparent all the time.- Ajay J.
Calculate Your Loan
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 630.745.1678 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.