The housing market has changed drastically over the last 20 years. A home search or a home sale can be a complicated process. Jolene Jaehne and her team work with the best realtors and professionals in the area and are committed to making the home financing experience feel enlightening, engaging, and empowering. From a home loan refinance, to the construction of your dream home, to the first time homebuying purchase, Jolene and her team understand the value and weight of the decisions needed to be made and are here to help, guide, recommend, and advise.
"From a very young age, I knew I wanted to help people. I know how important it is for me to understand the WHY and HOW behind every decision I make – even the small ones. It's why I put so much importance and emphasis on transparent regular communication with my clients through their mortgage process. Many of my clients are my friends, my neighbors, my children's teachers – I care about my relationships and I care about the community of Bastrop."
From the beautiful Pine trees to the adventures on the Colorado river, Bastrop is a special place to call home. Jolene and her family have deep family roots planted in and around Bastrop County area; there is no better place to make a house a home!
Jolene currently serves as Chairman of the Bastrop Chamber of Commerce. She is passionate about serving to build relationships between the existing business community, new growth coming to the area, public education, and housing sectors.
Getting in touch with Jolene is easy. Her office is open Monday through Friday, typically 8am to 5pm, but she can make special accommodations for evening and weekend appointments. You're encouraged to start with the online application and mortgage calculators below. You will find incredible resources here – be sure to check out what you can as your time permits. Jolene and her team are excited to help answer your questions on down payment assistance, no money down loans, competitive interest rates and fees, veteran housing benefits, and more!
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.
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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 512.321.4663(HOME) 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.
Building a new home can be a large undertaking. That’s why we’re here to help eliminate some of the work for you. Our premier loan product, One-Time Close, enables you to save time and money by financing your construction and mortgage loans into a single closing with just one set of closing costs. Find out if you qualify. Learn More