Jenn Gawenda is a self-motivated, organized Senior Mortgage Loan Officer at First Centennial Mortgage who is primarily focused on the needs of her clients. After more than 20 years in the mortgage business, Jenn is knowledgeable yet remains committed to negotiating for her clients – saving you time, money and stress. She will tailor your mortgage needs to the investor who can best fulfill them. Jenn will not only secure competitive rates, terms and conditions, she will also counsel you on credit mortgage qualifications. And she will walk beside you throughout the process to make the experience as simple as possible.
Jenn takes great pride in helping first-time buyers into their very first home. She also gives advice to past clients who are interested in refinancing their mortgage, completing home renovations or consolidating debt. This is the highly-personalized and professional service you can expect from Jenn. At First Centennial Mortgage, Jenn offers FHA, conventional, VA, USDA, first-time homebuyer down payment assistance programs, renovation, and jumbo loans.
Outside of work, Jenn enjoys spending time with her husband, Tony; son, Grant; and daughter, Brooke. Family time is important to the Gawendas; you can often find them enjoying the outdoors, attending sporting events, or having fun as a family in the western suburb of Lisle.
Call Jenn 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 630.546.4780 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.
1500 Eisenhower Lane, Suite 200
Lisle, IL 60532
NMLS ID #755952
Licenses: AZ #1006544, CO #100509981, FL #LO72434, IL #031.0036936, IN #23758, WI #755952
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