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.
I just wanted to say how thankful I am for all your help throughout this whole process. When the time comes for my next home you will be the first to know, and I will give my close people a recommendation to work with you when they are considering buying a home. We are looking forward to our continued relationship with you and for whatever the future brings.- Mitica F.
Overall, Niki & Micheala made us feel like we were their number one priority client and provided excellent customer service throughout the entire loan Refi process. I will definitely be recommending their services to all of our friends and family. Thanks Niki & Micheala for all of your efforts on this transaction, I'm glad we were able to get it done in the short time frame that we had to work with!- Emanuel G.
I’ve purchased homes and have refinanced in the past. This by far was the smoothest and most stress free transaction I’ve had. Thank you all for the great and professional service you provided.- Leonard F.
Excellent first time experience and would use again and highly recommend! Thank you so much for helping us with our first home!- Gregory S.
he communication and support was present throughout the whole time.- Denis K.
My experience was great.- Ronnie P.
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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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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.