I am a residential mortgage loan officer with Centennial Mortgage. I love my career and really take pride in helping my clients make an informed financial decision for one of the largest investments, Their Home! I enjoy working with agents and builders to build a lasting community where people can feel at home. My company is wonderful and I pride myself on the fact the we offer superior service to our clients and referral partners. We meet our deadlines and we offer service level agreements to our partners so they can feel confident in our service.
As a home mortgage loan officer, I help match home loan borrowers to the appropriate mortgage product to fit their needs and maximize their home buying power. The correct mortgage product is the most important part of making in investment in real estate. Working with a knowledgeable real estate agent and mortgage loan officer can make a homebuying experience much more pleasurable and less stressful than going at it alone. My experience in real estate and mortgage gives my borrowers the power to make a knowledgeable decision.
Specialties: I work hard to negotiate the best price and rate for current residential mortgage products for my borrowers. I stay up to date on the changes in the mortgage investment market so that my clients always have the most up to date information. As a home mortgage loan officer in Texas, I specialize in the Austin and Houston housing market. I can help with refinance products as well as home purchase products, down payment assistance programs, real estate referrals and much more. I am here to help! I love being part of a transaction where individuals get to make their first home purchase!
Danielle was amazingly helpful, kind and knowledgeable. I will gladly recommend Danielle to anyone who's looking for a professional who will be there the entire way, and once again Danielle, thanks a ton!- The Reyes Family.
She worked hard to provide as much helpful information for me throughout the process possible. I felt informed, knowledgable and, dare I say, empowered in the buying process. My first home buying experience was very simple and actually relatively stress free! Thank you Danielle! You're the greatest!- Facebook Review
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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 512.818.4811 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 $453,100, 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.