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SecurityNational Mortgage Company
Email Email cathy.savaglio@snmc.com Call Call 262.308.6843
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Catherine Savaglio

NMLS# 272580

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Connect with Catherine

  • cathy.savaglio@snmc.com
  • 262.308.6843
  • Primary Location

    Kenosha, WI 53140

Your homeownership journey starts here. We'll help you every step of the way.

Apply Now

About me

As an experienced loan officer in Kenosha, WI, you can count on me to guide you through the mortgage process. Whether you are a first-time homebuyer, a current homeowner wanting to refinance an existing mortgage or add an investment property to your rental portfolio, my focus is on providing a five-star customer experience. SecurityNational Mortgage offers competitive interest rates and a wide range of loan products from fixed-rate conventional mortgages to FHA, VA, and Jumbo loans as well as down-payment assistance programs. NMLS# 272580 Co. NMLS #3116

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Which mortgage is right for you? Check out our home loan options.

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FAQs

Questions about your mortgage? Here are some answers to the most commonly asked questions.

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Connect with Catherine

  • Emailcathy.savaglio@snmc.com
  • Call

    262.308.6843

  • Primary Location

    Kenosha, WI 53140

Your homeownership journey starts here. We'll help you every step of the way.

Apply Now

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Areas Served

  • Kenosha, WI
  • Somers, WI
  • Pleasant Prairie, WI
  • Zion, IL
  • Racine, WI
  • Beach Park, IL
  • Salem, WI
  • Waukegan, IL
  • Gurnee, IL
  • Antioch, IL

States Licensed In

  • IL 031.0063993
  • WI 28985

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Catherine Savaglio

NMLS# 272580

  • cathy.savaglio@snmc.com
  • 262.308.6843

Your homeownership journey starts here. We'll help you every step of the way.

Apply Now

Reviews

Catherine Savaglio

NMLS# 272580

  • cathy.savaglio@snmc.com
  • 262.308.6843

Your homeownership journey starts here. We'll help you every step of the way.

Apply Now

Loan Options

Conventional Fixed Rate Mortgage

Lock in that interest rate for the long haul! With a fixed rate mortgage, you can count on consistent principal and interest mortgage payments for the duration of the loan, and enjoy peace of mind knowing your housing budget will remain steady. We recommend this type of home loan if you plan on staying in your home for more than 5-10 years, have good credit and a reliable income.

Mortgage Refinance

Get a better interest rate, lower monthly payments, shorten the term of your mortgage or take cash out of your home equity. Use our refinance calculator to see if a refinance could save you money.

FHA Loan

Achieve your dream of home ownership with an FHA loan! These loans allow for lower credit scores, and down payment options as low as 3.5%. Are you a first-time homebuyer? If you're looking to buy a home for the first time, an FHA loan might be a good option for you.

VA Loan

VA loans offer special benefits to current members of the military, veterans and eligible surviving spouses. Benefits include less-restrictive credit guidelines and lower down payment options. We're always pleased to help those who serve our country get into a home!

Jumbo Loan

Make the move into your dream home! Jumbo loans provide a great option for home buyers purchasing homes that exceed conforming limits. If you have good credit and a large down payment, a jumbo loan might be right for you.

USDA Loan

Move away from the city and purchase a home with no down payment. USDA loans offer programs to rural home buyers who meet USDA's income eligibility requirements. For eligible home buyers, USDA loans feature no down payment options and generally favorable interest rates. This is a good loan option for lower income homebuyers and first-time homebuyers in rural and suburban areas.

Reverse Mortgage

Get money from your lender instead of making monthly payments to your lender. A reverse mortgage is available to homeowners age 62 and older with equity in their homes. Reverse mortgage payments can be received monthly, in a lump sum or through a line of credit. Most reverse mortgages today are called HECMs, short for Home Equity Conversion Mortgage.

Adjustable Rate Mortgage

Not quite ready to lock in a long-term fixed rate? An adjustable rate mortgage might be a good option for you. ARMs feature lower interest rates, but the interest rate can change (or adjust) after a fixed amount of time. This type of loan might also be a good option for you if you are looking to own a home for a shorter period of time.

SNL Direct Portfolio Loan

Ready to invest in your next property? Look no further than our exclusive SNL Direct portfolio loan. Backed by Security National Life (SNL), this loan features no income documentation requirement, eligibility to close as an LLC and a competitive interest rate.

Non QM Loan

Are you an entrepreneur or have irregular income? For homebuyers with non-traditional or complex tax returns, a Non-QM loan is a great option. Examples of a Non-QM loan include interest-only mortgages or limited/alternative documentation loans.

Down Payment Assistance Programs

Looking for a little help in getting into a new home? Down payment assistance programs help homebuyers with access to large sums of money through grants or loans to use as a downpayment. These funds can be made available through government and state housing agency programs or private organizations. In many cases the downpayment doesn't have to be paid back.

Catherine Savaglio

NMLS# 272580

  • cathy.savaglio@snmc.com
  • 262.308.6843

Your homeownership journey starts here. We'll help you every step of the way.

Apply Now

FAQs

What is pre-qualification?

Pre-qualification starts the loan process. Once a lender has gathered basic information about a borrower's income and debts, an opinion can be made as to how much the borrower should qualify for in purchasing a house. Since loan programs vary between credit, debt and down payment requirements, borrowers should get pre-qualified for each loan type they qualify for and are considering. Being pre-qualified is only a limited analysis and doesn't hold a lot of weight when it comes to negotiating a contract or reassuring a seller. There are many aspects to fully qualifying that could change a borrower's ability to qualify for a mortgage. Some of these things include: credit, length of employment, type of income, debt, liens or judgments, property type or condition, and other issues that come up during the approval process. Although it's tempting to start your home search before getting a pre-approval, we suggest you get that step completed sooner than later so you're armed with the knowledge of your real shopping budget and the power to negotiate the best deal.

What is a pre-approval?

Being pre-approved lets you know your price and term limitations, and therefore removes some of the stress of finding the perfect home. It happens after the lender has verified all information you've submitted in the application process. Being pre-approved also empowers you during the negotiation process. It gives the seller confidence in knowing your finances aren't an issue. You'll need a pre-approval to bid on a bank-owned or “short sale” home. Your offer won't even be considered if there are several offers on a home and you don't have a pre-approval.

Is there a cost to apply for a mortgage?

Generally, no — but occasionally the cost of a credit report will be charged. All other upfront fees, like an appraisal or application fee that may apply, will be disclosed to you as part of the application process and collected following your receipt of the early Truth-in-Lending disclosure and your approval to continue with the application.

How long will the loan process take?

Loan approval and funding time frames vary depending on the type of transaction and the complexity of your personal finances. The process can take as little as 10 days, and sometimes up to 45 days.

What is a lock-in rate?

The lock-in rate is the interest rate used to factor your monthly payment. The lock-in secures the interest rate during the process of your loan approval, as long as your loan is processed and closed prior to the rate expiration date. This date is given to you when you lock-in the rate.

When can I lock in my rate?

You can lock-in your interest rate once you have an accepted offer on a property. Your loan officer will discuss these options with you upon taking your loan application.

How long is my rate lock valid?

Depending on the type of transaction and the time you need, lock periods can be valid anywhere from 15 days to 180 days.

Should I refinance my mortgage?

Great question. There's a lot to consider when refinancing, and an SNMC loan professional can help you weigh this complex decision. Even a modest reduction in the interest rate can trim your monthly payment. The significance of such savings in any scenario will depend on your income, budget, loan amount, closing costs and the change in interest rate. An SNMC loan professional can help calculate the different scenarios for you, to determine if a refinance would be financially advantageous. Consulting your tax advisor is also encouraged, as your personal tax situation may affect your decision.

What documents will I receive at closing?

Start practicing that autograph! At closing, you'll be guided through a review of all the legal documents for the property you're purchasing or refinancing, and you'll sign each one. We'll give you copies of everything, and then it's all filed and recorded. We'll also make sure you get all pertinent information regarding your mortgage payment schedule, and servicing information for your new loan.

Can I still get a home mortgage if I've experienced credit challenges?

Obtaining a home loan is possible even with poor credit. If you have had credit problems in the past, a lender will consider you a risky borrower. To compensate for this added risk, the lender will charge you a higher interest rate and usually expect you to pay a higher down payment on your home purchase (typically 20-50% down). The worse your credit is, the more you can expect to pay for an interest rate and a down payment. Not all lenders choose to lend to risky borrowers, so you may have to contact several before finding one that will. Contact us to get an objective opinion on your credit and financial situation. Whether your situation calls for a short-term solution or a long-term strategy, we'll give you options to empower you to make an educated decision.

Catherine Savaglio

NMLS# 272580

  • cathy.savaglio@snmc.com
  • 262.308.6843

Your homeownership journey starts here. We'll help you every step of the way.

Apply Now

Turning Houses into Homes®

Disclaimers

Disclaimer: This is not a commitment to make a loan, nor should it be construed as lending advice. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. SecurityNational Mortgage Company is an Equal Housing Lender NMLS# 3116. DBA: SN Mortgage Company in VA. Visit snmc.com/disclaimers for additional details.

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SecurityNational Mortgage Company © 2023 All Rights Reserved. | Co. NMLS #3116| Equal Housing Lender