Brent Johnson is a Mortgage Loan Officer at First Centennial Mortgage. With over 20 years of experience, Brent has worked in several roles in the industry, including processing, VP of Operations, and a Director at a bank. Through his experience, Brent has gained a deep knowledge in loan program guidelines and available products. He offers conventional, FHA, VA, USDA, first-time homebuyer down payment assistance programs, renovation and jumbo loans, but considers himself an professional in construction loans. “My favorite loan is the one-time close construction loan. This program allows you to pay only one set of closing costs when you combine your interim construction loan and your permanent mortgage into a single loan.”
Brent prides himself on his professionalism and networking with referral partners, both of which are major factors in his success. His goal is to help his referral partners grow their business through his extraordinary industry knowledge and attention to detail when helping his clients get the best mortgage for them.
Outside of work, Brent is married to his beautiful wife, Heather, with a son, Connor, who plays football and baseball. Brent actively coaches his son’s baseball team and volunteers at the local animal defense league.
Whether you seek to purchase a home or refinance an existing mortgage, Brent is a mortgage professional you can trust. Call him today to begin your home financing journey.
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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 210.848.9784 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 $548,250, 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.
7700 W. Highway 71
Austin, TX 78735
NMLS ID #1576775
Licenses: CA #CA-DFPI1576775, IL #031.0046826, IN #33638, TX #1576775
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