Eric Passini

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Calculadora de hipoteca

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Consejos y programas para la compra de una primera vivienda

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control de solicitud de hipoteca

¿Cómo puedo ayudarle a lograr sus objetivos de comprar una vivienda?

Dado que confió en el oficial de préstamos de First American Bank en Elk Grove Village, Illinois, mi misión es brindarle un servicio de atención al cliente excepcional. Seré su guía en cada instancia del proceso de préstamo para vivienda y le daré mi apoyo desde la preaprobación de crédito hipotecario hasta la aprobación previa, durante todo el camino hasta su fecha de cierre. Como socia en su proceso de financiación para vivienda, le proporcionaré una variedad de programas de préstamos hipotecarios para satisfacer sus necesidades individuales, ya sea que esté buscando una hipoteca a tasa fija o ajustable (ARM). Me comprometo a mantenerlo informado en todo el proceso del préstamo hipotecario, y estoy disponible para responder preguntas, explicarle las opciones y eliminar las dificultades y preocupaciones en el trayecto. Si es una persona que compra su primera vivienda o un comprador experimentado, puede confiar todas sus necesidades de financiación para vivienda a mí y mi equipo.

No dude en comunicarse conmigo con la información de contacto directo que se encuentra en esta página. ¡Valoro su negocio y espero con ansias poder trabajar juntos!

Conózcame:

Después de prestar servicios a mi país y mi comunidad como aviador en las Fuerzas Aéreas de los Estados Unidos y como ayudante del sheriff, me uní a First American Bank para prestarle mis servicios a nuestros maravillosos clientes con sus necesidades de préstamos. Es un placer para mi ser parte de ayudar a otras personas a comprar las viviendas de sus sueños y ahorrarles dinero. Soy un marido y padre orgulloso. En mi tiempo libre disfruto de hacer algo por las familias que están atravesando dificultades económicas a través de una organización benéfica que dirijo con mi esposa, Mac’s Army, en conmemorativo honor a MacKenzie Serviss.

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Mortgage Rates

**Rates Effective: 11.12.24**
Rates and points are subject to change without notice.
Product	Rate	APR
30 Year Fixed Rate Terms and Conditions	6.875%	7.009%
15 Year Fixed Rate Terms and Conditions	6.500%	6.715%
Federal VA 30 Year Fixed Rate Terms and Conditions	6.250%	6.567%

Subject to credit approval. Standard rates apply. Title fees, as part of the closing costs, will vary by county.

Rates are subject to change at any time without notice. Rates and terms are not guaranteed until application is completed and rate is locked by a First American Bank mortgage loan representative. Rates and programs are subject to limitations. Call for program availability. All programs are fully amortized loans that require monthly payments of principal, interest, and any required escrow payments for the term of the loan. The above payments do not include amounts for taxes and insurance premiums. Therefore, the actual payment obligation will be greater. The exact monthly payment of a loan will vary depending on the term of the loan, the amount and the Annual Percentage Rate (APR) at the time of loan approval. APRs will vary due to the cost of PMI (if necessary), title company fees, loan points based on your credit score and actual loan amounts. Available loan amounts range from $30,000 to $650,000. Please call for rate information on loan amounts not shown in the table.

Conventional Loan APRs: We assume a 25% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.

30 Year Fixed Rate

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $210,000 and an estimated property value of $285,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 6.875% interest rate, the APR for this loan type is 7.009%. The monthly payment schedule would be:

359 payments of $1,379.55 at an interest rate of 6.875%
1 payment of $1,379.71 at an interest rate of 6.875%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

15 Year Fixed Rate

At a 6.500% interest rate, the APR for this loan type is 6.715%. The monthly payment schedule would be:

179 payments of $1,829.31 at an interest rate of 6.500%
1 payment of $1,830.01 at an interest rate of 6.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Federal VA 30 Year Fixed Rate

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $177,187 and an estimated property value of $235,000. The property is located in IL and is within Cook county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

At a 6.250% interest rate, the APR for this loan type is 6.567%. The monthly payment schedule would be:

359 payments of $1,090.97 at an interest rate of 6.250%
1 payment of $1,091.20 at an interest rate of 6.250%

The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Lo que dicen nuestros clientes

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Just a good feeling from the beginning. Professional and treats you like a family member. If you want something done fast and correctly, then Eric is your man.

Chris Lochner

Eric was fantastic when I called up near the end of a work day. He was super friendly and incredibly helpful. He put my mind at rest when I ranted my woes at him. An absolute credit to the bank! His only downfall is that he's an N*Sync fan. Thank you, Mr. Passini for all your help.

Clementine Randell

Eric is phenomenal to work with. Great communication, professional and made everything so easy. ⭐️⭐️⭐️⭐️⭐️

allison arnold

E-Roc is the man !!!!!!!! Top notch loan officer !!!!! Go to no one else!!!!

Greg Keiling

Eric was extremely professional and processed my loan with great efficiency. He was always available to answer any questions I had. I HIGHLY recommend him for your next loan needs.

Ericka “Erickucha” Quevedo

Eric was extremely helpful, very informed and professional. He offered helpful insights to us as we were preparing to make offers on a few different homes and shared his experiences on different aspects of the home inspections. He was also quick to respond to our requests and friendly to worth with. I highly recommend him as a trustworthy source for your mortgage financing needs.

Karel Jacobs

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Solicite en línea

(630) 547-8904

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El personal nos conoce a mí y a mi esposa por nombre y siempre nos trata con cortesía y profesionalismo. No tengo necesidad de buscar otro banco.

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First American es nuestro banco desde hace casi 20 años. Nunca tuvimos un problema. Siempre recibimos un trato amigable en todas las sucursales. ¡Gran servicio de atención al cliente!

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