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Chai Charin

Chai Charin

Senior Loan Officer

1500 Eisenhower Lane, Bldg C Unit 200, Lisle, IL 60532
Own what matters
Own what matters

About Me

Chai Charin is a Team Manager/Mortgage Loan Originator. He has been in the mortgage industry since 2000 and is committed to helping clients with the biggest purchase of their lives. Chai truly enjoys working on numbers to help clients easily understand the monthly payment and total out of pocket money needed to purchase or refinance a home. He loves his team; they do everything in-house, giving the ability to control loans from beginning to end.

Chai has a passion for providing his clients with the best customer service. He makes himself available during the evening and weekend because he fully understands that buying a home or refinancing can be very stressful. He promises to always listen to the needs of his clients and believes in keeping his customers for life. Chai and his team provide constant communication with all parties involved in the mortgage and loan transaction, so everyone is always on the same page.

Chai is married and has three teenage daughters, so he understands the cost of providing and raising a family. Contact Chai today to start your home buying process!

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

Testimonials

Testimonials
5.0 out of 5.0 stars
5.0
5.0
5.0
Jeremy
Nov 23, 2023
Verified

I am extremely satisfied with the services provided by Chai. His expertise and professionalism made the entire process smooth and stress-free. He was prompt in addressing my concerns and worked diligently to secure the best mortgage terms for me. I highly recommend his services to anyone in need of a reliable and efficient mortgage broker.
agerz
Aug 10, 2021
Verified

Chai and his team went above and beyond expectations. I first reached out to Chai a year before we were able to secure the financing. He guided me on how I could go from my current financial situation to being able to qualify and afford a house that my wife and I would be happy in. I followed his guidance and one year later I qualified for a mortgage that has put me in a better home than I was expecting.
Kimberly F
May 21, 2019
Verified

I want to start off by saying the customer service that Chai has given my parents is a 5 plus, plus! He has answered a million questions and be so patient and kind through the whole process and today it has been almost two years since the day they purchased a house and he still took the time to get the documents so they could take care a pertain and key thing that will give them so much happiness. He is absolutely amazing and I would highly recommend him!
David
May 05, 2019
Verified

Chai Charin and the rest of the team at First Centennial not only did a great job with our new home purchase, but when the home price changed (as it often does) we thought there was no way we were going to be able to afford the house we wanted. Chai, called us (even after business hours) because he knew how worried we were and showed us a path to be able to afford the house we loved. We have already told all of our friends and family about First Centennial and so should you. We can't thank First Centennial enough for literally changing our lives.
Gabrielle
Apr 02, 2019
Verified

My husband and I were having a lot of problems with our first lender and spent months trying to purchase a home. We contacted chai and once he took over we closed on our home less than 30 days! He is amazing!
ARA S
Feb 19, 2019
Verified

As a first time home buyer, I had lots of questions and Chai was always available to answer my calls and emails. He made the process easier than I could have ever hoped for!

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passionate about

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NMLS ID #222482
I am authorized to do business in the states of Illinois, Indiana and Wisconsin. (www.nmlsconsumeraccess.org);