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Candace Neal

Senior Loan Officer

NMLS ID #1170798

About Candace:

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.

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 630.709.3109 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.

Contact Candace

630.709.3109 (Mobile)
630.806.2858 (Office)
630.806.2859 (Fax)
Email: C.Neal@goFCM.com

127 E. Lake Street, Suite 240
Bloomingdale, IL 60108

NMLS ID #1170798
License: IL #031.0037439