Dahlia Duran is a Mortgage Loan Originator at First Centennial Mortgage, offering her services to the residents of Lisle and members of the surrounding cities of Illinois. She has been in the mortgage and real estate industry for over 20 years and is fluent in Spanish. She enjoys talking to buyers who want to buy a home, but don't know where to begin. After your first sit down with Dahlia, you will become very knowledgeable in the mortgage process and confident in the long-lasting relationship formed with her.
She is always available, and she prides herself on always talking and meeting face to face with her customers. When you call her for help on financing your home, you will talk with her personally. She has a group of professional, full-time real estate agents, attorneys, home inspectors and insurance agents that have proven to meet the needs of her customers the same way she does. She will refer you to her partners if needed, for the best home buying experience.
Dahlia has extensive experience with FHA and VA financing, and she is proficient with helping first-time homebuyers using the IHDA Illinois loan program. Contact her to start your home buying 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 630.802.0431 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 $726,200, 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.
NMLS ID #249493
License: IL #031.0038490
1500 Eisenhower Lane, Suite 200
Lisle, IL 60532
Branch NMLS ID #897582
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