I've been a mortgage loan originator since 2000. I am committed to helping clients with the biggest purchase of their lives. I enjoy working on the numbers to help clients easily understand the monthly payment and total out of pocket money needed to purchase or refinance a home. I love my team here at First Centennial Mortgage. We do everything in-house, giving us the ability to control loans from beginning to end.
I have a passion for providing my clients with the best customer service. I make myself available during the evening and weekend so you always know I am here to help. I promise to always listen to the needs of my clients and I fully understand that buying a home or refinancing can be very stressful. I have been married for 19 years and have three teenage daughters (one attending University of Iowa and the other two in high school) so I understand the cost of providing and raising a family.
I believe in keeping my customers for life and have built up a strong and loyal client base. The areas top Realtors and real estate attorneys know we get the job done. My team and I provide constant communication with all parties involved in the transaction so everyone is always on the same page.
Chai was so awesome through every step of the way. My experience with the entire team was on point from beginning to the end. I was very nervous through the process and sent many emails and texts to him every day, without hesitation, he had all the answers and also insured me not to be nervous and my process would be fine.- Miguel M.
We had a great experience with Chai and his team. We always knew the step we were on and he kept us in the loop with personal emails and videos for what to expect next. The online portal was simple and quick for submitting documentation. Chai was very outgoing and knowledgeable. We would definitely use him again if we buy again in this area!- Skylar H.
As a first time home buyer, I was nervous and didn't know what to expect from the process. Chai and his team made me feel comfortable through the entire process, from answering my questions at 10pm, to allowing me to text him whenever. His dedication really went a long way in my book and I would recommend him to anyone!- Ryan C.
We received outstanding service. The process was completed in three weeks, which I believe is a record. Friends and relatives told us there was no way it could be completed this quickly, but the whole thing was speedy and seamless. In spite of the speed, there were no corners cut and everything was handled professionally and efficiently.- Ahren J.
The entire buying process was incredibly smooth. The communication, responsiveness, and knowledge from Chai and his team is more than any home buyer could ask for. Everything was executed thoroughly and in a timely manner. I highly recommend Chai for your home buying experience.- Judith C.
As a first time buyer, all I can say is Chai and his team made a dream come true for my Family and me. Chai and his team walked me through every step of the process day and night. Thank you all!- Gino M.
Chai and his team were very thorough and responsive. We had to work the process online due to our physical location and the process was smooth and easy to follow.- Michael M.
It was an honor to work with Chai. He is truly great at his work; he certainly loves what he does and it shows in his results. Chai truly earned my trust and respect.- Charles M.
My experience was amazing. Chai could not have helped more. He was knowledgeable and all around a very good person.- Anthony P.
Chai made the process extremely easy and understanding for my first home buying experience.- Alexandria C.
First Centennial Mortgage approved us when several other lenders said no. Our experience was wonderful.- John K.
You guys were very good! Always answered me promptly and professionally. Plus you were very helpful.- Sam S.
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.
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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Total Interest Payable
Total of Payments
(Principal + Interest Only)
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 630.430.4481 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.