I have been a mortgage broker since 2001 and have been with First Centennial Mortgage since 2011. My team includes two full time assistants, Esme & Maria, and a Loan Officer, Victor Rocha. We pride ourselves on our honesty, integrity and the willingness to assure the complete satisfaction of every individual we serve. As an independent mortgage banker, First Centennial Mortgage possesses several advantages over other lending institutions. We process, underwrite, close and fund all of our loans in-house, giving us the ability to control the whole process from beginning to end. Our accuracy and turn times help us stand apart from other companies, enabling us to provide our customers with competitive rates.
Referral Partner Testimonials
I have found Mr. Villalón to be knowledgeable, thorough, diligent and, quite importantly, accessible and punctual. He has been generous to me with his time and input and he has a sound grasp on various available loan products. He has a top-notch support staff with whom he has worked many overtime hours to get the job done.- Nicholas H.
They above and beyond expectations to ensure a smooth transaction. The level of customer service that Carlos, Esme, Maria, and Amy provide is bar none, with requests and questions answered promptly and correctly. Working with Carlos & his team is truly a pleasurable experience.- Julie C.
Mr. Villalon was very courteous, patient and helpful throughout the process. His communication was excellent, he was always available to respond to any question I had. His expertise and care provided a sense of trust and confidence that all will be done well. Thank you Carlos and his team for such excellent service.- Laura A.
Carlos and Maria do a fantastic job! Their quick response to questions and knowledge provided great piece of mind and trust. I will continue to use Carlos for my mortgage needs.- Cheryl P.
Carlos and Esme are an awesome team to do business with! Very professional and great at what they do! We will be returning customers and telling our friends and family members about the great experience we had with them.- Daniel L.
Grateful for the awesome service we received from #1 team Villalón. Carlos managed our closing time in 3 weeks. Thank you for making it a great experience. Carlos, Esmeralda, Maria and everyone else on your team.- Melissa C.
With Carlos, Amy, and especially Esme handling your file, you're in good hands with this team! This is the most important transaction of your life and they treat it exactly like that!- Sean C.
Excellent experience. Carlos and his team, especially Maria, did an outstanding job in expediting the process of my loan in 3 weeks. I will definitely recommend Carlos and First Centennial Mortgage to my clients and family. GREAT JOB!- Iza G.
Carlos and his team are awesome. As a first time home buyer, I honestly didn't know what to do, but his team took care of us all the way from beginning to closing. Thank you Carlos; my overall experience with you and your team was fantastic.- Viviana C.
Carlos and his staff did a tremendous job providing information and answering questions. My wife and I had a short turn around from the date our offer was accepted to the date we closed on our new home. I would highly recommend Carlos, Maria and Amy to anyone. Thank you for everything!- Matthew K.
We would highly recommend Carlos and his team to anyone looking for a mortgage. If we are in need of a mortgage again, we would use Carlos as our mortgage banker.- Timonty B.
I had a great stress free mortgage experience AGAIN using Carlos and his team. I will use them again in the future!- Michael P.
Carlos and his team were amazing! You guys took me in under your wing. Each team member did their part and helped me out tremendously. The whole team is unbelievable. I really appreciate everyone and I can't say it enough. Thank you from the bottom of my heart!- Susan W.
Everything went so smoothly! Carlos took time to speak to us in the beginning to make sure we understood everything that was going on. This team does really care and they definitely show it! So happy with our decision to work with First Centennial Mortgage!- Jason K.
The Villalón team was amazing to work with! They made a usually stressful time, very stress-free, and exceeded all my expectations! Carlos, Esme, Maria, I thank you over and over for your diligence, your work ethic, and your professionalism! Thank you!- Jessica A.
Carlos, Esmeralda, Maria… what a well-oiled machine. This experience could not have been easier. I have bought cars with more stress and drama and questions. They are professional, prompt and make a seemless transaction.- Kimberly B..
I have worked with Carlos in the past and it was an easy decision and a quick phone call when it came time to secure funding. The team always answered every question as quickly as they could and other folks in the process commented on how easy it was to work with First Centennial Mortgage throughout the process.- Christopher H.
Being first time home buyers, the thought alone was scary, but after meeting Carlos and working with his team, we felt more at ease and ready to embark on this journey. I would definitely recommend them to anybody who is ready to pursue the home dream.- Jesse R.
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 847.809.6281 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.