Carlos Villalon

Carlos Villalón

Senior Mortgage Banker

NMLS ID #193267

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About Carlos:

Carlos Villalón is a Senior Mortgage Banker at First Centennial Mortgage. He has been in the mortgage industry since 2001 and with First Centennial Mortgage since 2011. Carlos’s team includes two full time assistants, Esme & Maria, and a Loan Officer, Victor Rocha.

“We pride ourselves on our honesty, integrity and the willingness to assure the complete satisfaction of every individual we serve. As an independent mortgage banker, First Centennial Mortgage possesses several advantages over other lending institutions. We process, underwrite, close and fund all of our loans in-house, giving us the ability to control the whole process from beginning to end. Our accuracy and turn times help us stand apart from other companies, enabling us to provide our customers with competitive rates.”

Carlos and his team have finessed their loan process to be fast and efficient. Give them a call today to get started on your home buying journey.

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.


Monthly Payment
(Principal + Interest Only)


Total Interest Payable


Total of Payments
(Principal + Interest Only)


Monthly payment shown consists of principal and interest only. Examples entered are hypothetical and for illustrative purposes only. Any calculations assume 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. Payments do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. This information was prepared by an independent third party, and accuracy is not guaranteed. Please consult with your Mortgage Loan Officer or 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 847.809.6281 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.

Contact Carlos

847.809.6281 (Mobile)
630.806.2866 (Office)
630.952.1566 (Fax)

303 W. Main St.
Suite 201
St. Charles, IL 60174

NMLS ID #193267
Licenses: IL #031.0003213, IN #25367, TN #193267, WI #193267

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