Niki Cantrell

Branch Manager

NMLS ID #394917

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About Niki:

I decided to jump into the mortgage industry in 2005 while being a single mom with a newborn and needing to provide for my family. I had the motivation to not only have a successful business but help other families afford their dream homes. Having a natural ability to make people feel connected and comfortable, coupled with my industry knowledge, has led to a successful mortgage career. In 14 years I have yet to lose sight of what truly matters, YOU, the client. As the Branch Manager for 2 locations now serving Washington and Oregon, I enjoy the freedom I have to spend time getting to know each client personally and learning about their future goals. I will work diligently to find the right loan to suit each client's unique financial circumstances, or help determine a plan to get them where they want to be. My goal is to always make myself available to provide education as well as support in achieving personal and financial objectives.

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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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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 360.601.4054 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 $484,350, 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 Niki

360.601.4054 (Mobile)
503.486.6446 (Office)
503.486.6447 (Fax)

2005 SE 192nd Ave, Suite 200, Office 221
Camas, WA 98607

418 Pioneer Street
Ridgefield, WA 98642

NMLS ID #394917
Licenses: OR #394917, WA #MLO-394917