Eric Passini
Oficial de préstamos hipotecarios, NMLS #437158
¿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!
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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Special introductory fixed rate for 6 months at
5.99% APR
After that, variable rates are as low as
6.75% APR1
Hurry, offer ends October 30, 2026!
When you sign up for automatic payments and eStatements.2 Offer ends October 30, 2026!
Apply now using the link above!
| Product | Rate | APR |
|---|---|---|
Home Equity Line of Credit Terms and Conditions | 6.750% | 6.750% |
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. If you refinance, close or terminate your HELOC for any reason within 36 months of opening your HELOC, you may have to pay an Early Cancellation Fee of (i) two percent (2.00%) of your credit limit within the first twelve (12) months of opening your HELOC, or (ii) $750 between thirteen (13) and thirty-six (36) months of opening your HELOC. This Early Cancellation Fee applies where applicable by state law. Subject to credit approval.
1Offer valid 7/17/26 – 10/30/26. Loan must close by 12/31/26. Available only to new Home Equity Line of Credit (HELOC) customers and current HELOC customers whose loan matures within one year from the date of application. Available only on collateral properties located in (i) Illinois (excluding Kankakee County. Please see a banker for rates applicable to Kankakee County, Illinois), (ii) Indiana, (iii) Wisconsin, and (iv) Minnesota. Not available for investment properties. 75% loan-to-value (70% for condos), or less. 5.99% Fixed Annual Percentage Rate (APR) during the six-month introductory period. Thereafter, 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 each month. Based on the 1/2/26 Prime Rate of 6.75%, the following rates would apply: 5.99% APR during the six-month introductory period. Thereafter, 6.75% APR for HELOC $100,000 or more; 6.99% APR for HELOC $50,000 to $99,999; 7.49% APR for HELOC $25,000 to $49,999; and 7.74% APR for HELOC $5,001 to $24,999. 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. Some restrictions may apply. If you refinance, close or terminate your HELOC for any reason within thirty-six (36) months of opening your HELOC, you may have to pay an Early Cancellation Fee of (i) two percent (2.00%) of your credit limit within the first twelve (12) months of opening your HELOC, or (ii) $750 between thirteen (13) and thirty-six (36) months of opening your HELOC. This Early Cancellation Fee applies where applicable by state law. Subject to credit approval.
UP TO $2,000 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 elect electronic statements within the first statement cycle, we will pay up to $2,000 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 (collectively, “Third Party Fees and Charges”). 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. This provision does not apply to loans secured by investment properties or to 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: $662.00
Annual Fee: $75.00
| Product | Rate | APR | Points |
|---|---|---|---|
30 Year Fixed Rate Terms and Conditions | 6.625% | 6.768% | 0.000 |
15 Year Fixed Rate Terms and Conditions | 5.990% | 6.220% | 0.000 |
Jumbo 30 Year Fixed Terms and Conditions | 6.750% | 6.775% | 0.000 |
Federal VA 30 Year Fixed Rate Terms and Conditions | 6.375% | 6.709% | 0.000 |
Subject to credit approval. Standard rates apply. Title fees, as part of the closing costs, will vary by county. 2Special Offer: $500 off your closing costs valid on first mortgage applications (including prequalifications) received between 7/17/26 – 10/30/26. Loan must close by 1/30/27. Only available on 1-4 family home. Only applies to Conventional, Jumbo, FHA, USDA, or VA loans. Not available for collateral properties located in Texas, New York, Alaska, or Hawaii. Prior to closing you must set up an Automatic Funds Transfer (AFT) or Automatic Clearing House (ACH) to make the monthly payment on your loan, and within the first statement cycle you must elect electronic statements (requirement only applies to Conventional and Jumbo loans). Closing costs include only those fees and charges required by First American Bank as a condition of obtaining a loan. Title fees, as part of the closing costs, will vary by county. May not be combined with other promotions. Please see a banker for details. Rev 7/26
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 6.625% interest rate, the APR for this loan type is 6.768%. The monthly payment schedule would be:
- 359 payments of $1,344.65 at an interest rate of 6.625%
- 1 payment of $1,345.77 at an interest rate of 6.625%
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 5.990% interest rate, the APR for this loan type is 6.220%. The monthly payment schedule would be:
- 179 payments of $1,770.96 at an interest rate of 5.990%
- 1 payment of $1,771.87 at an interest rate of 5.990%
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% interest rate, the APR for this loan type is 6.775%. The monthly payment schedule would be:
- 359 payments of $9,728.97 at an interest rate of 6.750%
- 1 payment of $9,729.49 at an interest rate of 6.750%
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 6.375% interest rate, the APR for this loan type is 6.709%. The monthly payment schedule would be:
- 359 payments of $1,105.42 at an interest rate of 6.375%
- 1 payment of $1,104.10 at an interest rate of 6.375%
The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Eric is amazing! He made the whole process super easy!
As a decent net worth banking customer, I was surprised when my two main banks wouldn’t upsize my HELOCs to what an appraisal and my credit could easily handle, all due to “policy.” I found Eric through some internet research and he and his team not only provided new HELOCs at the desired sizes, but did so - start to finish - in about 35 days. Great and transparent experience. I highly recommend Eric, and already have to friends of mine. Thanks Eric!!
I hold Eric Passini in high regard for his dedication to clients and his willingness to go the extra mile to get things done. Thanks.
Great experience. Mr. Passini was very informative and very helpful throughout process.
Eric was amazing throughout this process. So communicative and available to answer our questions at the drop of a hat. So kind and understanding and always wanting to help. We could not have asked for a better person to be on our team. Nate & Malissa
Great experience. Very smooth and easy to work with. Every question answered and always available when needed.
