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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.



What do you mean the late payments are my problem!  I gave him the house with a quit claim deed and my divorce decree says that I'm not liable for the mortgage!  As all attorneys know, just because the decree tells one party to make the payment, both parties remain liable for a missed payment, a ...
I usually relax by reading one of the spy thrillers like Ludlum or Clancy. If they don't have a new release, I settle for Patterson, etc.  I was fortunate to receive a gift of Tony Dungy's book Quiet Strength.  I started reading it this past weekend and will probably finish it tonight.  Quite a s...
In 1998, we were looking for a way of thanking the community that contributed to our success and came up with a monthly sharing program.  Each month, one of our employees is selected and they select a charity that means something to them.  We didn't want someone just coming up with the flavor of ...
Lowest mortgage payment! Borrow $575,000 for $1677 per month > click here!   Who are you trying to fool?  $1677/month would be 3.5% per year.  Does it sound too good to be true?  Of course it does.  Yet, this is the type of payment that is being advertised on the internet.  This advertising is de...
I'm considering trading in my 97 BMW Z-3 for another vehicle.  Yesterday's storms were so bad as I commuted from Chicago's Northwest side through Palatine and on to Cary that I felt like I was hydoplaning with my floorboards instead of my tires.  It was an out of body experience - water over the ...
The bees in Cary must be watching big screen TV.  My grandkids were watching one of those ANT stories that showed ants living underground.  The neighborhood bees must have been watching through the windows and decided that this was the way to go.  Now I have an underground beehive that I'm worrie...
Are you worried about contingent contracts?  Consider this scenario - Buyer (A) agrees to purchase new construction ($750,000) with completion in 12 months.  Hoping to sell his SF home (B) he lists it in month 4. In month 6 he accepts a contract ($450,000) for his sale contingent on his buyer's s...
I recently made a presentation to Realtors on ways to move listings.  My opening comments focused on the fact that while I am not a Realtor, I wanted to share notes taken from watching many successful Realtors.   I wanted them to be successful and that perhaps by considering some of the oldies bu...
Affordability - what buyers are willing to pay!  Does this sound familiar?"Why haven't you found a buyer for my home?  Last year my neighbor sold his identical home for $500,000 and the best offer you can find are for $475,000.  Maybe I should get someone else to sell my home."On July 1, 2005 I c...

Angelo Cusinato

CRMS, CMC, Mortgage Specialist NMLS # 207204
local_phone(847) 592-2977
smartphone(847) 209-9458
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Why overpay for a home by overpaying for a mortgage? We put education at the top of the list for homebuyers & prepare them to get the right mortgage the first time and every time. Check our website at for helpful information