Danielle Norris is a Mortgage Loan Officer at First Centennial Mortgage. She takes great pride in helping her clients make an informed financial decision for one of the largest investments in their life, their home! As a home mortgage loan officer in Texas, Danielle specializes in the Austin and Houston housing market. She can help with refinance products as well as home purchase products, down payment assistance programs, real estate referrals and much more.
Having the correct mortgage product is the most important part of making an investment in real estate, so Danielle works hard to match her clients with the appropriate mortgage product to fit their needs and maximize their home buying power. Her experience in real estate and mortgages gives her clients the power to make a knowledgeable decision on their journey towards homeownership. Danielle enjoys working with agents and builders to build a lasting community where people can feel at home.
Danielle specializes in negotiating the best price and rate for current residential mortgage products for her clients. She stays up to date on the changes in the mortgage investment market so that her clients always have the most up-to-date information.
Working with a knowledgeable real estate agent and mortgage loan officer can make a home buying experience much more pleasurable and less stressful than going at it alone. That’s why Danielle takes pride in knowing her clients and referral partners are in good hands at First Centennial Mortgage where they receive superior service and meet deadlines. Call Danielle to start your home buying journey!
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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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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 512.818.4811 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 $510,400, 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.