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.
Tommy's responsiveness was incredibly quick and extremely helpful. Very happy with experience. The team made the loan process low stress and the escrow was extremely smooth due to the responsiveness and helpfulness of First Centennial.- Brian B.
My experience was very good. Very good communication and loan officer is willing to listen to all our concerns. Loan officer can be easily reached via phone call, text and even email and gave us a quick response to all our questions. Everything was done in a timely manner. Would highly recommend.- Lourdes A.
Tommy and his staff have been exceptional in their service, understanding and commitment to getting my loan closed on time and at the best rate. I would recommend them unequivocally.- Eric L.
My overall experience was one without stress and worries. I thank everyone at centennial mortgage for all their hard work and helping me achieve my goal.- Carlos M.
Our experience was outstanding. First Centennial Mortgage provided first rate customer service, outstanding communication and made the process very easy to complete. I will never use anyone else but Tommy Barro and First Centennial Mortgage.- Valentine R.
Tommy Barro and his staff have been exceptional in their service, understanding and commitment to getting my loan closed on time and at the best rate. I would recommend them unequivocally.- Eric L.
Tommy and his staff did their very best and were fully attentive to my needs. I liked the portal to send in needed documents, and I appreciated the routine updates about how things were progressing in a difficult situation.- Lance P.
Tommy was wonderful to work with. He exceeded all of our expectations as our lender. He was quick to respond and answer our many questions in regards to purchasing our new home.- Gregory W.
The entire process from start to the end was excellent. Tommy Barro and his staff are very professional, and the communication between all involved was awesome. I will definitely recommend them to everyone I know.- David C.
From the minute I spoke with Tommy, he explained the whole process from A to Z. Everybody involved did their job professionally, and we were always kept updated with the progress. Best experience ever!- Rudy F.
Our experience was absolutely amazing! Everything was easy to understand. They went out of their way to make sure we understood everything going on, and we were also able to close our escrow sooner than we expected.- Gilbert F.
I was happily surprised by how quick and simple Tommy made the financing. I will recommend Tommy and First Centennial Mortgage to all of my friends and family.- Larry D.
We were so blessed that we were referred to Tommy Barro! His knowledge and wisdom helped us with our refinance, and we are now able to breathe again. The staff was excellent to work with. Thank you.- Mark F.
The process went smoothly from start to finish. Tommy was very responsive from the moment of first contact. Our whole transaction took less than forty days from my very first phone call with Tommy.- Matthew M.
Tommy and Kelsey made what could be the most stressful experience of your life actually enjoyable and stress free. As first time home buyers, we had a million questions and they were there to answer them all with patience and clarity. Thank you!- Heather M.
Thank goodness Tommy and his team had 1031 Exchange expertise. He had to coordinate between all parties to ensure all went to plan, and he forced the necessary communications.- Mitlton L.
From beginning to end, the process was positive. Tommy let us know what was happening and what would happen next, so there were no surprises or delays. Everyone on the team performed their function efficiently. Thanks for the help!- Todd F.
Tommy and his staff worked with us and guided us through the process of obtaining our mortgage loan. Tommy and his team were always there to answer any questions and were always prompt and polite.- Kevin W.
We started our process to purchase with our trusted bank and were quickly convinced to use First Centennial Mortgage and Tommy Barro. My wife and I were able to stay in frequent contact with the team and close in an exceptional time frame.- Chris A.
Tommy and his team are so incredibly knowledgeable and diligent. This is our third time working with him and his team and each experience has been seamless, fast, and easy! Thank you!- David D.
Great Experience! I will definitely recommend Tommy to my friends when the time be needed.- Brianna M.
Great job of communicating and delivering. I'll definitely recommend Tommy and use him in the future myself.- Scott K.
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.
(Principal + Interest Only)
Total Interest Payable
Total of Payments
(Principal + Interest Only)
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 949.625.4777 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.