About The Marino Lending Team:
The Marino Lending Team is your mortgage lending expert in Naperville, IL. They are committed to providing you with the highest quality financial services possible, combined with competitive rates for the Naperville area.
The Marino Lending Team works with you one-on-one to tailor a mortgage solution specifically suited to meet your financing needs. Whether you are purchasing your dream home, refinancing a current mortgage, or consolidating debt, the Marino Lending Team can help you find the right loan program. They offer a wide variety of loan options, including conventional, FHA, USDA and VA loans, as well as first-time homebuyer down payment assistance programs, renovation and jumbo loans.
Together, they developed a "3 Buckets of Cash Needed for Closing" approach to help first-time, and experienced, homebuyers understand what cash is needed when they pick a loan program.
“We believe a well-informed homebuyer can make a good decision if they are well educated. The Marino Lending Team focuses on being effective listeners when working with clients. We find out what their needs are: Is it to stop throwing money away on rent; to upgrade their housing as their family grows; or to downsize as they enter their senior years? Once we know their needs, we provide them with multiple loan options, Down Payment Assistance options, if necessary.”
The Marino Lending Team offers exceptional service to their clients. Their goal is to build lasting relationships with their clients and partners in order to continue providing excellent service for many years to come. To speak directly with a professional on the Marino Lending Team, simply give us a call anytime at 630.983.3604.
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.
(Principal + Interest Only)
Total Interest Payable
Total of Payments
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Types of LoansWhich type is right for you?
The Marino Lending Team and First Centennial Mortgage offer 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 us online or call 630.983.3604 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.
The Marino Lending Team are licensed Naperville Mortgage Lenders, who are dedicated to helping people in the state of Illinois achieve their dreams of owning a home.
The Marino Lending Team
630.788.7859 (Mobile) | 630.983.3604 (Office)
NMLS ID #209516 | License: IL #031.0002979
847.804.1059 (Mobile) | 630.806.2870 (Office)
NMLS ID #244399 | License: IL #031.0037907
815.757.6944 (Mobile) | 630.947.0562 (Office)
NMLS ID #1542842 | License: IL #031.0045066
651 N. Washington Street
Naperville, IL 60563
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