Linda Callaghan

Linda Callaghan

Mortgage Loan Officer

NMLS ID #229776

Meet go Apply Now, your online mortgage application.

You'll spend less time on paperwork - and more time doing things you enjoy.

About Linda:

My name is Linda Callaghan, a Mortgage Loan officer at First Centennial Mortgage in Aurora, IL. I speak fluent Spanish, have lived in the Fox Valley area my entire life, and recently made my way back to Elburn where I grew up. My passion is to be involved in and serve the community around me. I do this through the Elburn Lions Club and Aurora Sunrise Rotary Club. Over the past 30+ years, I have helped hundreds of families with financial planning and guided them through the entire process of homeownership to purchase and refinance their dream homes. My goal is to help my clients find the best option for their unique current and future financial goals. I strive to make sure no question goes unanswered and my clients fully understand every step of the homebuying process.

If I can be of service, please contact me to discuss your refinance or purchase options!

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.

Get Prequalified today

Apply online or over the phone

Start now

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 630.854.9037 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 $647,200, 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 Linda

630.854.9037 (Mobile)
630.952.1531 (Office)
630.806.2131 (Fax)

2471 W. Sullivan Road
Aurora, IL 60506

NMLS ID #229776
License: IL #031.0026912

I would love to hear from you. Please fill out this form and I will be in touch shortly.