Angelo has been guiding homeowners through the mortgage process for 30 years. Before moving into the mortgage field, he earned CPA and CFP credentials and an MBA from the University of Chicago. While he agrees that his educational and professional profile might appear to be over-kill for filling out a mortgage application, his clients claim that he has helped them better understand that the selection of a mortgage should be consistent with their family's long term financial goals. They agree that Angelo is the one to help them make that happen. Realtors and Financial Advisors are pleased that he is on their team.
Angelo lives in Cary with his wife of over 45 years having been married while in the US Army and before going to Vietnam. He has two sons with families and 4 grand-children living in Colorado.
Angelo is licensed in Florida, Colorado, Wisconsin and Illinois is supported by a team of like-minded professionals who make sure that those that trust him for their mortgage become friends and clients for life.
Angelo made the financial aspect of my home purchase about as simple and painless as could be. After an initial meeting, Angelo basically said, "let me take it from here..." and he did. Angelo was able to secure as good or better interest rates on my loan than I was offered directly from a bank lender. A great experience and a great guy to work with from start to finish.- Michael K
As a first time home buyer, the mortgage process can be intimidating and disheartening. Angelo was a tremendous asset from day one in this process. Angelo showed up at the closing, and was the only member of our team, attorney and agent included, to stay until we were funded and received the keys. Simply put, we would not be homeowners without Angelo's help.- Rob E.
I've worked with Angelo and his team to refinance my home a couple of times and have been pleased with the results in both cases. Besides being an expert, with high integrity and producing great results, Angelo is very personable. To anyone with a mortgage or refinance need, I highly recommend working with First Centennial Mortgage.- Rick G.
Angelo helped us with our first home buying experience and more recently with a refinance. Both times, we appreciated his personable, yet no-nonsense approach. We felt like Angelo's expertise and connections in the mortgage lending industry helped us get the best deals in a very timely manner. I will always go back to Angelo if we have any other similar projects.- Yoko T.
I have used Angelo for many years on many home purchases and refinances. Angelo and his team have done a great job at helping me through the process and getting the best terms in a timely manner. I have recommend him to my friends and I will continue recommending him.- Brian K.
I have had the pleasure of using Angelo and his team for several financial projects. Angelo is professional and detail oriented. On top of that, he saves me money every time! Angelo is my go to person for all matters related to mortgages.- Paul I.
We have had a number experiences with Angelo over the past 15 years and each one has been easy and produced great results. We would not consider using anyone other that Angelo. Angelo is knowledgeable, trustworthy, and tells you like it is. Call Angelo now if you are thinking about refinancing or purchasing a home.- Maureen B.
We've worked with Angelo on 3 separate occasions and each time he provides thorough, quality service based on his opinion - not trying to sell his services. Highly recommended!- Deb A.
I have worked with Angelo on four separate occasions to refinance my personal residence. He has never failed to provide me the best rates at the lowest cost. Repeat business is the greatest testament to great work.- Art B.
Angelo has handled every mortgage and refinance I've ever signed, and I've looked at other firms. He secures the best rates, makes sound recommendations and tracks every detail. I highly recommend him to handle this important transaction.- Carolyn G.
I have hired Angelo several times over the past 5 years. He's incredibly sharp, solution oriented and provides top-notch service and support. I intend to continue to hire Angelo for all my mortgage needs in the future and would recommend him to anyone. Angelo is the best.- Adam Z.
Angelo went above and beyond in helping my wife and I purchase our first home. Angelo exceeded our expectations due to his attention to detail, problem solving skills, and ability to educate us in areas we were unfamiliar with. We intend on using Angelo in the future and would recommend his services to those looking to obtain a mortgage. Thank You Angelo!- Brad B.
If you are thinking "mortgage" and looking for someone you can trust, give Angelo a call. For over 10 years, and several mortgages, I have been pleased with his suggestions and referred many of my friends. We all give Angelo and his company the highest marks for honesty, service and great deals.- Joseph B.
Angelo has processed multiple mortages for us. His works is timely, complete and correct. We personally would not use anyone else but him for any future mortgages.- Bob P.
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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 847.209.9458 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.