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Centier Home Loans
Centier Bank has helped individuals like you for 115 years reach the goal of homeownership. We are an award winning Northern Indiana bank with a reputation for strong values & quality service. Choose a solid partner for your next home mortgage. Choose Centier.
Today’s Mortgage Rates
(Actual mortgage interest rates & APRs may vary based on credit history.)| Conventional-Indiana | Rate | APR | Points |
|---|---|---|---|
| Conforming 30 Year Fixed Rate | 3.875% | 3.941% | 0.000% |
| Conforming 30 Year Fixed Rate | 3.750% | 3.826% | 0.125% |
| Conforming 15 Year Fixed Rate | 3.000% | 3.079% | 0.000% |
| Conforming 15 Year Fixed Rate | 2.875% | 3.044% | 0.625% |
| ARM-Indiana | Rate | APR | Points |
|---|---|---|---|
| 5 Year Adjustable Rate-Libor | 2.750% | 3.474% | 0.125% |
| 5 Year Adjustable Rate-Libor | 2.625% | 3.491% | 0.875% |
| 7 Year Adjustable Rate-Libor | 3.750% | 3.815% | 0.000% |
| 7 Year Adjustable Rate-Libor | 3.250% | 3.591% | 0.125% |
| FHA-Indiana | Rate | APR | Points |
|---|---|---|---|
| 30 Year Fixed Rate | 3.750% | 4.708% | 0.000% |
| 30 Year Fixed Rate | 3.500% | 4.481% | 0.500% |
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Available Home Loan Products
- Apply Online Now
We offer a variety of mortgage loan products with great rates, great service & low closing costs. Contact us today to get started with your home loan.
- Conventional Fixed Rates
Conventional Fixed Rates
Conventional Fixed-Rate mortgages are loans in which the interest rate never changes. It is effectively “locked in” for the entire length of the mortgage, typically 15 or 30 years. As a result of this, the monthly payments for the mortgage never change, unless other things such as property taxes or home insurance costs go up.
- Conventional Adjustable Rates (ARM's)
Conventional Adjustable Rates (ARM's)
Conventional Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates. In other words, the minimum mortgage payment will not always be the same every month. How often it changes depends on the types of indexes the lender applies. The indexes are used to determine the interest rate of the mortgage.
- FHA Fixed Rates
FHA Fixed Rates
FHA mortgages are loans in which the Federal Housing Administration provides mortgage insurance for the loan. The FHA loan allows for the purchase of a home with a low down payment, low closing costs and easy credit qualification. Fixed-Rate mortgages are loans in which the interest rate never changes.
- Jumbo Fixed Rates
Jumbo Fixed Rates
Jumbo mortgages, because of their size, are used to buy expensive homes. Fixed-Rate mortgages are loans in which the interest rate never changes. Luxury properties are often harder to re-sell at the original purchase price if a loan default occurs. A jumbo loan requires a bigger down payment and higher interest rates. Interest rates can vary depending on the type of real property and the amount of the loan. Multiple appraisals are often needed before a jumbo loan can be approved.
- Jumbo Adjustable Rates (ARM's)
Jumbo Adjustable Rates (ARM's)
Jumbo mortgages, because of their size, are used to buy expensive homes. Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates. In other words, the minimum mortgage payment will not always be the same every month. Luxury properties are often harder to re-sell at the original purchase price if a loan default occurs. A jumbo loan requires a bigger down payment and higher interest rates. Interest rates can vary depending on the type of real property and the amount of the loan. Multiple appraisals are often needed before a jumbo loan can be approved.
- Construction-Perm Loans
Construction-Perm Loans
These programs combine the construction and permanent financing of your project. You qualify for the loan once, lock in the permanent rate, sign one set of loan documents and have up to 12 months to complete the construction. During the construction period, interest is charged only on the funds that have been disbursed. When the project is completed, the permanent loan period begins.
- Indiana Housing & Community Development Loans
Indiana Housing & Community Development Loans
A loan for first time homebuyer program sponsored by the State of Indiana. The IHCDA offers programs that assist Hoosiers with making down payments, getting low interest rate loans and even special programs for families that live in rural areas.
Testimonials
"I would like to thank Mike Smith for helping us refinance our home. He was courteous and professional every step of the way. He definitely went above and beyond the call of duty to provide great customer service."
James - Hobart, IN
“Kristine Clark did an excellent job of helping and keeping me informed during the approval process. I am extremely pleased with the service that I received, and will refer others.”
Derrick - East Chicago, IN
"Our prior refinance went so smoothly with our Mortgage Loan Officer, Karyn Fish, that when rates dropped and a refi was in our future, I knew exactly who to call. Karyn was excellent! I would definitely recommend her to others”
Margaret – Griffith, IN
“Kari Bennett was wonderful to work with. She is knowledgeable & really made our loan possible. Without her expertise we would not have closed our deal. She helped us out of a jam with another lender. She went the extra mile! We would highly recommend her to anyone wanting a mortgage loan.”
Sheryl – Valparaiso, IN
Work With the Best
Centier Bank is a proud member of the Mortgage Bankers Association and finances your loan with the trusted Freddie Mac lending provider.
Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act)
The SAFE Act requires Mortgage Loan Originators (MLOs) employed by federally insured depository institutions to register with the Nationwide Mortgage Licensing System and Registry (“the Registry”) and to maintain and renew their registration in that system annually. Click on the link below to view Centier employees registered with the Nationwide Mortgage Licensing System and Registry.
NMLS Registry Information for Centier Bank Mortgage Loan Originators
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