Kelly Brizzolara
Mortgage Lender, NMLS #423833
How can I help you achieve your home-buying goals?
As your trusted First American Bank mortgage loan officer in St. Charles, Illinois, my mission is to provide you with exceptional customer service. I will walk you through every step of the home loan process and support you from mortgage prequalification to pre-approval, all the way through your closing date. As a partner with you in the home financing process, I will provide you with a variety of mortgage lending programs to meet your individual needs, whether you are seeking a fixed-rate or adjustable-rate mortgage (ARM). I am committed to keeping you informed throughout the mortgage loan process, and am here to answer questions, explain options and eliminate hassles and worry along the way. Whether you are a first-time home buyer or seasoned buyer, you can trust me and my team with all of your home financing needs.
Don’t hesitate to reach out using the direct contact information located on this page. I appreciate your business and look forward to working with you!
St. Charles is truly my hometown—I graduated from St. Charles High School before there even was an East and a North! When I am not helping others with their home loan process, I also volunteer teaching third-grade religious education classes at nearby St. Patrick's Church. In my spare time, you can find me running. I have completed a 10K and I have my sights set on a half marathon!
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| Product | Rate | APR |
|---|---|---|
Home Equity Line of Credit Terms and Conditions | 7.750% | 7.750% |
Not available for investment properties or properties located in Texas, New York, Alaska, or Hawaii- The Annual Percentage Rate (APR) is a variable rate based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first business day of the month. Rates subject to change at any time. The maximum APR is 18%. Monthly payments of interest only will result in a balloon payment. No annual fee for the first year - $75 annual fee thereafter. Costs to satisfy certain prior liens may be assessed. Property insurance is required. Flood hazard insurance may be required. An Early Cancellation Fee of 2.00% of the credit limit, or $500, whichever is less, will apply if the loan is closed within the first 36 months. An Early Cancellation Fee is not applicable when prohibited by state law. Offer is subject to normal credit qualifications.
*UP TO $2,500 IN CLOSING COST CREDIT: Third party fees and charges ranging from $500 to $3,100 may be assessed for HELOCs under $250,000 at closing. If at the time of closing you set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your HELOC and within the first statement cycle elect electronic statements, we will pay up to $2,500 of the Third Party Fees and Charges associated with closing on your HELOC, including, but not limited to, appraisal, title, flood, credit report, stamp & tax, and recording fees (Third Party Fees and Charges). If at any time during the term of your HELOC you fail to maintain the AFT or ACH or an electronic statement, you agree to repay the Third Party Fees and Charges that we previously paid which may be added to the outstanding balance of your HELOC. If at the time of closing you do not set up an AFT or ACH to make the monthly payment on your HELOC, then you agree to pay the Third Party Fees and Charges at closing. Not available for loans that fall outside our standard product, rate, term and underwriting guidelines.
Payment: Your Regular Payment will equal the amount of your accrued Finance Charges. Term: The draw period will extend to the first day of the month following execution of the loan documents plus ten (10) years.
Balance Due at End of Loan Term: Closing Fees: $612.00
Annual Fee: $75.00
| Product | Rate | APR | Points |
|---|---|---|---|
30 Year Fixed Rate Terms and Conditions | 6.500% | 6.631% | 0.000 |
15 Year Fixed Rate Terms and Conditions | 6.000% | 6.211% | 0.000 |
5/6 ARM SOFR Terms and Conditions | 6.750% | 7.500% | 1.000 |
Federal VA 30 Year Fixed Rate Terms and Conditions | 6.250% | 6.567% | 0.000 |
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. Not available on collateral properties located in Texas, New York, Alaska, and Hawaii. 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 $2,000,000. 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.
Jumbo Loan APRs: We assume a 30% down payment with no Private Mortgage Insurance (PMI) and based on payment for the full term.
Adjustable Rate Mortgage (ARM) Loan APRs: Amortized for 30 years. The APRs shown are for the initial period and may increase after closing due to the movements of the interest rate index during the rate adjustment periods. Call for information regarding rate adjustment caps and margins.
At a 6.500% interest rate, the APR for this loan type is 6.631%. The monthly payment schedule would be:
- 359 payments of $1,327.33 at an interest rate of 6.500%
- 1 payment of $1,327.05 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.
At a 6.000% interest rate, the APR for this loan type is 6.211%. The monthly payment schedule would be:
- 179 payments of $1,772.09 at an interest rate of 6.000%
- 1 payment of $1,771.70 at an interest rate of 6.000%
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.
At a 6.750% initial interest rate, the APR for this loan type is 7.500%, subject to increase. Based on current market conditions, the monthly payment schedule would be:
- 60 payments of $1,362.06 at an interest rate of 6.750%
- 299 payments of $1,472.90 at an interest rate of 7.625%
- 1 payment of $1,474.25 at an interest rate of 7.625%
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.
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.
Kelly was very helpful and explained everything thoroughly. It was a pleasure working with her.
Kelly was great to work with and very helpful!
Kelly was amazing!!!! She got my cash out refinance approved and kept me updated throughout the process. I’m so thankful for good people in the world like here. All I can say is THANK YOU from the bottom of my heart!!!
Kelly is probably the most hardworking workers I have ever dealt with. She got me a quick approval and kept me updated throughout the whole process.
Kelly was very easy and pleasant to work with. The process was very streamlined. I definitely recommend her and First American.
