Candace Neal is a licensed mortgage loan officer who takes pride in her strong communication skills and attention to detail. She works with borrowers looking to buy their first home, their next home or refinance their current home. In addition to the normal conventional, FHA and VA loans, Candace has experience in first-time down payment assistance programs, renovation loans and jumbo loans. She also works closely with borrowers who are not quite ready to buy and helps get them into a position to qualify for a home loan.
Candace is a veteran; she served in the United States Air Force. She has 2 adult children and a grand-dog. When she's not working, Candace enjoys working out, spending time outside hiking and walking on nature paths, riding on the motorcycle with her boyfriend, swimming, and spending time with friends and family.
This process was painless. Any time I had a question I received and immediate answer. Candace made me feel confident during the whole process that if any issues came up it would be resolved with her expertise or that she would give me options to resolve.- Michael D.
As a first time home buyer I appreciate Candace took all her time to explain in detail every aspect of the process as well as provided guidance, everything was clear and smooth thanks to her excellent and professional help.- Monica N.
Being a first time home owner, I was pretty nervous, but you all made this process as easy as possible. The professionalism and quickness of your responses was very appreciated. I know myself, family and attorney have recommended you and hopefully you see more business headed your way!- Lisa T.
The response time and availability to answer any questions along the way was excellent. They took the time to explain the answers that were given to my questions so that I could understand and make an informative decision. I was notified immediately with updates throughout the process which made the waiting less stressful.- Tawney T.
Candace was very responsive to all my questions and concerns. She had answers immediately and provided accurate information. She did everything in her power to close within the target date. I am very impressed and enjoyed working with her.- Etelvina G.
Candace was extremely helpful throughout the entire process. She was constantly updating me and was patient with me as it took about a year to get me where I needed to be.- Tyler H.
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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 630.709.3109 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 $453,100, 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.