Chai Charin

Mortgage Loan Officer

NMLS ID #222482

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About Chai:

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.

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.


Monthly Payment
(Principal + Interest Only)


Total Interest Payable


Total of Payments
(Principal + Interest Only)


Monthly payment shown consists of principal and interest only. Examples entered are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information entered. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. Please contact me or a financial advisor to seek personalized advice from qualified professionals regarding all financial issues and needs.

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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 630.430.4481 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 $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.

Contact Chai

630.430.4481 (Mobile)
630.806.2141 (Office)
630.952.1541 (Fax)

1500 Eisenhower Lane, Suite 200
Lisle, IL 60532

NMLS ID #222482
Licenses: IL #031.0002812, IN #40588, WI #222482