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Mortgage and Lending - First Centennial Mortgage - NMLS # 132763
Why overpay for a home by overpaying for a mortgage? My role as a loan officer is to put education at the top of the list for homebuyers & prepare them to get the most value. In 2008 I was awared the NAMP Integrity Seal (ethics & professional commitment to consumers), also received CRMS & CMC designations. Less than 1/2% of all loan officers have achieved these levels of recognition.



Consider this - As has always been the case, people try to hide income from the IRS.  Liar loans became the mortgage of choice for these homeowners.  They claimed an income that was higher than they reported on their tax returns.  Yet, somehow they were able to make the payments for years - proba...
  1600 Colonial Parkway  Iverness, IL 60067 Phone: (847) 359-5300       As you read this remember that every dollar that will be spent needs to be repaid.  The question you need to ask is will the dollars be spent in a way that will provide long term benefits that w...
Special Report02/12/2009The financial markets have had a lot to digest in the last two days: - Treasury Secretary Geithner announced an all-encompassing plan that had the complete opposite effect on Wall Street and was bereft of any real details.  This is already being used as a case study by uni...
If you have applied for a mortgage recently, you have probably found that your appraised value is lower than you hoped it would be.  If you have applied for a mortage refinance you may have found that the appraised value is lower than it needed to be for you to refinance.  If you are an appraiser...
For those of you that hear that mortgage rates will be dropping again and turned down a 5.5% rate, please read this - Special Report - 02/06/2009The number one topic of conversation among borrowers and loan officers right now is: We hear that the government is working on a program that will make ...

Angelo Cusinato

CRMS, CMC, Mortgage Specialist NMLS # 207204
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