Our team is committed to providing our clients with the highest quality financial services possible, combined with competitive rates for your area. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs. Whether you are purchasing your dream home, refinancing a current loan, or consolidating debt, our highly experienced team can help you find the right loan program, no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.
Sue was phenomenal and our experience with First Centennial Mortgage couldn't have been better! From the communication directly from Sue and her team to the informative videos all the way through to the speed of which Sue got us from our application to closing, everything was top notch! Thank you, thank you, thank you!- Jen O.
Diana truly did a wonderful job communicating throughout the whole process and helping us with any questions. It was such a smooth and seamless transition. I thoroughly enjoyed the emails that gave us a visual of where we were at in the loan process. She is extremely knowledgeable and friendly, I will be recommending her to our family and friends when they are in the market to purchase a new home!- Alyssa A.
Sue and Heidi have been very professional and patient with me, in spite of my constant calls and inquiries. I'm very grateful they were the individuals involved in this entire process. A huge thank you goes out to both.- Dave D.
My experience was very good especially considering what we had been through before coming here. The entire team worked with me to get my purchase made. Every member of the team made sure I was informed and treated me like family.- Dale C.
I had the absolute pleasure of working with Sue on a recent closing. Sue was a miracle worker in helping the buyers to the finish line of their home when another company had previously let them down. She believed in the buyers and successfully got them to closing in record time. Sue goes above and beyond in helping her clients, I would definitely want her on my side in the future!- Jennifer L., Tieman Realty
Sue Foley and her team at First Centennial Mortgage know how to get the mortgage process done effectively and efficiently! She was able to get us to closing in record time! She builds relationships with her clients and they trust her completely. It's nice to see integrity and follow through in the home buying mortgage process and we got that with Sue! I'd highly recommend her to anyone looking to purchase a home!- Diana, First Weber
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.
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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 608.778.6151 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.