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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.
RECENT BLOG POSTS
Dream Home - that's what we are looking for! -  Instead we find that Internet pictures are misleading (lie),  every home we see needs work & our frustration level is RISING!  Will we ever find our dream home?             YES you will if you look outside the box.  If you can survive (noise, dust &...
04/09/2019
I recently received a call from someone looking to refinance a current mortgage.  She had already been approved by Rocket Mortgage but a Realtor friend suggested that maybe the easy way wasn't the smartest way to get a mortgage.  She called, sent me her disclosures and I was shocked to see the ex...
02/02/2018
Alimony payments will no longer be deducted from/added to taxable income for divorces dated after December 2018.  What does this mean?  Depending on if you are paying or receiving the alimony payment, the impact is to increase the cost of the payout and increase the benefit being received.  Divor...
01/16/2018
  Many have said that first-time home buyer reluctance to buy is keeping our economy in check.  To help stimulate this market Illinois has advertised several incentive programs including Welcome Home Heroes and Welcome Home Illinois.  These incentives are significantly more valuable to the homebu...
07/08/2014
Thanking them for their sacrifice & service.   Field of Honor - Memorial Day Vigil – May 23 – 26,2014   The Veterans Network Committee of Northern Illinois has put this event together to honor those who have made the largest sacrifice to their country while serving in Iraq and Afghanistan to pro...
05/02/2014
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Unintended Consequences????  It would seem that this is another case where the real world is undermining what was hoped to be a way to help those that were hurt by our economy.  I sent the following to HUD (answers@HUD.gov) and am waiting to see if this issue receives any attention.  Wish me luck...
01/16/2014
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Many homeower's were victims of the economy and and lost homes during the last few years.  If you know someone like that, make sure that they are aware of two programs designed to help them become homeowners again. After one year - FHA Back to Work Program After two years - Pre-foreclosure short-...
11/27/2013
Here is a benefit that many potential buyers are not considering.  A Reservist or National Guard Member may qualify for full VA mortgage benefits if they were called up for Active Duty and served for at least 90 days.  Many of those returning from Iraq or Afghanistan, may not be aware of this ben...
11/07/2013
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Did you that a VA loan works even on a Jumbo purchase or refinance?  This is a little known feature that I as a veteran (Viet Nam)never knew about.  Sure I knew about VA loans but as a mortgage broker always saw other options that made more sense.  Now, with the increased demand from returning ve...
10/08/2013
News - Angelo Cusinato, for the third straight year has been selected as a 2013 Five Star Mortgage Professional, Top 2% for client satisfaction, Chicago magazine!  
06/13/2013
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Angelo Cusinato

CRMS, CMC, Mortgage Specialist NMLS # 207204
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