Cassandra Bajak has been in the mortgage business and lending industry for 31 years. She lives in Crystal Lake with her husband and two sons for the last 16 years. They are a Veteran family and proud of our country.
Cassandra is dedicated, honest and reliable and communicates well with others. Her clients are 100% referral based, so it's important to her to let people know she's on their side and she cares about them. She is efficient in finding the best loan for each client's individual situation and thoroughly enjoys helping them through the home buying process.
Cassandra's team has almost 100 years of combined experience and a passion for helping people navigate through the mortgage process. They have expertise in many areas of mortgages, including Jumbo, VA, FHA, Conventional, Investors, Bankruptcy, Foreclosure, Renovation and "Rescue" deals. They look forward to assisting clients with a quick, successful closing.
I loved working with Cassandra. She is very knowledgeable and responsive and was always available for any of my questions.- Doug P.
Cassandra was great and answered any questions I had promptly. She was able to get the closing date sooner then expected and that helped out a lot.- James R.
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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 847.877.5588 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.