Michael Giacomino

Michael Giacomino

Mortgage Loan Officer

NMLS ID #1983164

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About Michael:

Michael Giacomino, Mortgage Loan Officer at First Centennial Mortgage in Lisle, IL, has been in the housing industry since 2000. Throughout his diverse career, Michael has worked in many different areas of the mortgage process and overseen thousands of families and individuals who have become homeowners. He has become a true trusted advisor through listening to and understanding the needs of his clients in order to provide his expert service.

Michael’s unique experience has given him an understanding of the diverse product offerings as well as the servicing of a mortgage. At First Centennial Mortgage, he offers FHA, conventional, VA, USDA, first-time homebuyer down payment assistance programs, renovation and jumbo loans.

Michael lives in the western suburbs of Chicago with his wife, three sons, and his newfypoo puppy. He is an avid Chicago Bears fan who is always in his gear, ready for a game! In his downtime, he enjoys boating, working on projects in his home and spending time with family and friends.

When you choose Michael at First Centennial Mortgage, you are choosing a lender with a wealth of experience and expertise. You can rest easy knowing your mortgage will progress smoothly and quickly through closing and beyond.

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.

Calculator

Monthly Payment
(Principal + Interest Only)

$1,880.70

Total Interest Payable

$88,525.28

Total of Payments
(Principal + Interest Only)

$338,525.28

Monthly payment shown consists of principal and interest only. Examples entered are hypothetical and for illustrative purposes only. Any calculations assumes the theoretical borrower will have excellent credit and are based on information entered. Any amount calculated is an estimate only. The actual amount may be higher or lower depending on location, loan type, and many other determining factors. This information was prepared by an independent third party, and accuracy is not guaranteed. Please contact me or a financial advisor to seek personalized advice from qualified professionals regarding all financial issues and needs.

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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 630.746.7478 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.

Contact Michael

630.746.7478 (Mobile)
630.809.3523 (Office)
630.809.3524 (Fax)
Email: M.Giacomino@goFCM.com

1500 Eisenhower Lane, Suite 200
Lisle, IL 60532

NMLS ID #1983164
Licenses: CA #CA-DBO1995009, FL #LO72632, IL #031.0061549, IN #46085, MN #MN-MLO-1983164, WI #1983164


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