About The Linda Busse Team:
Linda Busse is a Branch Manager and Sr. Mortgage Loan Originator at First Centennial Mortgage. She is licensed in Wisconsin where she provides excellent financial services. With all the changes in today's market, you need someone you can trust when it comes to purchasing or refinancing a home. Linda believes that communicating, educating and personalized service are key components to building strong and lasting relationships with her clients. People choose to work with Linda because they are confident, she will do everything she can to achieve their goals. Linda recognizes that availability is important when servicing the needs of Clients and Realtors and her cell phone is always on…she can be reached days and evenings and yes, weekends. Emails, voicemails, and texts are checked regularly.
Linda has surrounded herself with strong support, both in her office on the front line, as well as a network of partners behind the scenes, all with one goal: to help you purchase or refinance a home. The Linda Busse Team is committed to making this happen for you! In addition, they remain a resource to clients not only before and during the loan process, but long after they buy a house.
Linda and her team look forward to and welcome the opportunity to work with you to determine and meet your home financing needs and are waiting for your call!
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.
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Total Interest Payable
Total of Payments
(Principal + Interest Only)
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 us online or call 920.385.1220 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.
The Linda Busse Team
Branch Manager / Sr. Mortgage Loan Originator
NMLS ID #248126 | License: WI #12044
2100 Omro Road
Oshkosh, WI 54904
Branch NMLS ID #1810096
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