Our team is committed to providing our clients with the highest quality financial services possible, combined with competitive rates for your area. We will work with you one-on-one to tailor a financial solution that is specifically suited to meet your financing needs. Whether you are purchasing your dream home, refinancing a current loan, or consolidating debt, our highly experienced team can help you find the right loan program, no matter what your needs are. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.
Everything went very smoothly. Savvas and Donna kept me up to date during each stage of the process and far exceeded my expectations. I am very satisfied with my experience and would highly recommend Savvas Kesgiropoulos and the team at First Centennial Mortgage.- Sheri W.
From beginning to end, Savvas kept us informed, always called back immediately, went out of his way to make sure everything was on track and that we understood the process. Savvas is very sharp and knows all the ins and outs of his business - beyond that, he is truly a good guy and enjoyable to work with.- Eugene L.
My experience was very good; everyone was and is so very kind, considerate and so very patient. Savvas was very, very good to me, always telling me what is happening, what will come next and when it will happen. He always answered the phone when I called. My experience was very good.- Deborah C.
Overall experience was wonderful, between Savvas and Donna staying in contact and keeping us updated on the process (we loved your little videos), helping out with all the little details and making sure we understood what we had to do made things go about as smooth as one could have asked for.- James R.
I first contacted Savvas a year prior to buying.Throughout the year, Savvas would follow up and see how I progressing; he pointed me in the right direction and here I am now purchasing my own home. Thank you for all the hard work you and your staff has provided.- Letty M.
Savvas and Donna are both highly professional, very knowledgeable and extremely helpful. They arranged for the closing on my house in record time. I simply cannot recommend these two enough to anyone else in the process of getting a mortgage.- Kenneth P.
Savvas was very thorough in explaining the process and following through to make sure all the documents requested to process our loan were complete. We were extremely impressed with how well he communicated with us every step of the way. We highly recommend Savvas to anyone seeking a mortgage loan.- Joseph A.
You were a pleasure to talk to. And I enjoyed your movies. What a great way to deliver important information! I was very surprised and impressed that you personally went and checked on the home after the recent hurricane, it's business I know but still.- Melissa B.
Savvas was a pleasure to business with. He was extremely knowledgble and up front and honest about costs and final payments. I will definitely contact him when I'm ready to proceed with a purchase in the future.- William M.
I liked the structured approach and the fact that most things were done electronically. Savvas' attention to detail and comprehensive communication were excellent.- Patricia T.
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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Total Interest Payable
Total of Payments
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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 941.448.7478 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.