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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.



If you or someone you is having trouble making mortgage payments, the best advice I can give is to get your mortgage lender on the phone.  Do not wait until late payments begin.  Call while payments are still being made on time.   DO NOT EXPECT THE LENDERS TO INITIATE A CALL - they have too many ...
Well better late than never. WASHINGTON (AP) -- The Federal Reserve cut a key interest rate for the first time in four years, seeking with an aggressive half-point move to prevent a steep housing slump and turbulent financial markets from triggering a recession.Finally the Fed acted and dropped t...
The Pheasant Run Resort will agian host the annual mortgage broker conference on October 8 - 10, 2007.  Highlighted on their porgram for Monday morning  at 9:30 is Congresswoman Melissa Bean, who is a Member of the US Congress Financial Services Committee.  Congresswoman Bean will share her thoug...
I purchased the Canon XTi with the standard EF-S 18-55mm lens and 10.1 meapixels.  I'm looking for accessory suggestions.  Is there a need for filters, additional batteries, extended warranty, lens, etc.  I feel that my skill level is intermediate with SLR but this is my first digital SLR.  I exp...
A few days ago I blogged the request for help that is shown below.  To date I have not received any responses.  What am I doing wrong.  With all the AR members in Lake county, I hoped I would receive great suggestions.  Perhaps I did not send it to the best audience.  Whatever the reason, I need ...
It looks like the regulators have been busy!  The following is a list of FINES, SUSPENSIONS, REVOCATIONS and RESTATEMENTS by the IDFPR relating to ILLINOIS mortgage brokers as  posted by the IAMP in their weekly newsletter on September 14, 2007.Fines, Suspensions and RevocationsAnd Re-instatement...
Looking for suggestions - heading to Boston with stops in Flint MI, Canadian side of Niagra Falls, then on to Boston.  Looking for suggestions for restaurants that cater to the locals that offer great food, atmospher and reasonable prices.  I can get the over-priced food offerings in Chicago.  I'...
No Shriners, No marching bands, just big yellow school buses in all directions.  I can't wait for the weather to change.  Am I imagining it but is traffic just getting worse each year.  Guess it doesn't pay to cut down Hart to avoid the grief on 14 at 59.  How early or late does one need to sched...
If you can't take it with you and you don't want the IRS to take it what can you do?  Turn that mortgage around!  Make it work in Reverse.  If you enjoy the independence of owning your own home and are over 62 (every owner) then a Reverse Mortgage might be a way to tap your equity or eliminate yo...
I thought I had a low fixed rate mortgage and now I find out it was only fixed for five years - now what?I have recently received several calls from shocked homeowners who jumped on the low rate that was a "fixed rate (for five or seven years) instead of for the thirty years that they expected.  ...

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