Meet The Right Mortgage Loan Officer
Centier Mortgage Loan Officers have been putting homes & dreams together for families since we were founded in 1895. We have a wide variety of mortgage products tailored to meet your needs. Our products range from first time homebuyer programs to refinances and construction loans. We work with you to find the right mortgage program to fit your circumstances.
Candy, a career banker with more than 28 years of experience, has helped thousands of homeowners close more than $150 million in loans.
Candy is very active in the Porter County Business and Real Estate Communities. She is an affiliate member of the Greater Valparaiso Chamber of Commerce©, an associate member of The Greater Northwest Indiana Association of Realtors®, and the Home Builders Association of Northwest Indiana. She is also a member in both the NWI Mortgage Bankers Association and the Indiana Mortgage Bankers Association.
Today's Mortgage Rates
Actual mortgage interest rates & APRs may vary based on credit history. Rates displayed assume that an escrow account for property taxes and insurance(s) will be established at time of loan closing.
|Conventional-Indiana||Rate (%)||APR (%)||Points (%)|
|Conforming 30 Year Fixed Rate||3.875||3.926||0.000|
|Conforming 20 Year Fixed Rate||3.625||3.695||0.000|
|Conforming 15 Year Fixed Rate||3.125||3.214||0.000|
|ARM-Indiana||Rate (%)||APR (%)||Points (%)|
|5 Year Adjustable Rate-Libor||2.875||3.339||0.125|
|7 Year Adjustable Rate-Libor||3.125||3.405||0.375|
|FHA-Indiana||Rate (%)||APR (%)||Points (%)|
|FHA 30 Year Fixed Rate||3.500||4.522||0.000|
|FHA 15 Year Fixed Rate||2.875||3.882||0.000|
Available Home Loan Products
We offer a variety of mortgage loan products with great rates,
great service & low closing costs.
Waiting for the perfect interest rate? Let us do the monitoring, and we'll send you an email when our rates meet your target rates.
Thank you for choosing Centier Bank as your home mortgage lender. The following steps are critical to process your online mortgage application. Once you have completed your application, a Centier loan officer will contact you to discuss the application and answer any questions you may have. Your loan officer is also available to assist at any time during the mortgage process. At Centier, we pride ourselves on world class service and are happy to help you realize your dream of a new home.
In order for us to proceed with your loan request in a timely manner, we will need to receive copies of the following documents within 7 calendar days of your application:
- Copies of all W-2’s and/or 1099 forms for all applicants for the past two years
- Most recent pay stubs covering the last 30 days for all borrowers
- Copies of the most recent bank statements for each checking, savings, money market, 401k, or any other depository accounts listed on your application
- Application fee, paid either by credit card on the system, or check payable to Centier Bank
- If you are purchasing a home, a legible copy of all pages of the Purchase Agreement signed by all buyers and sellers
- IRS Form 4506T, “Request for Transcript of Tax Return,” signed by all applicants
Additional information specific to your loan request may also be required.
If the above documents are not provided to us within 7 calendar days of the application, we will assume you do not wish to proceed and we will give no further consideration to the application. Any costs incurred by Centier in conjunction with your loan application will be considered earned and are non-refundable.
I agree to the terms listed above and wish to continue with the online application.
“I recently refinanced my home mortgage with Candy. Her years of experience and knowledge of the mortgage industry were very apparent. She confidently addressed my specific questions and concerns during the loan process in a pleasant and professional manner. I was so impressed with the service. It was a very positive experience and I would definitely work with Candy again in the future.”
“I want to thank Candy for all she did for us. Every time we got anxious, she took the time to reassure us and keep the process on track. Everything worked out perfectly.”
Sandra & Charles
“I recently worked with Candy on two buyer-side transactions. I was impressed with the communication from Candy and her department. I always knew what stage the loan was in. It was refreshing to work with a lender who is proactive and instrumental in keeping the transaction moving. Both transactions came to successful closings! I plan to recommend Candy to my clients in the future.”
“Thank you again for being such a great person professionally and personally. You opened the bank on a Sunday for me, that is true dedication and willingness to accommodate a customer. I greatly appreciate what you've done for me, and will always send friends your way for any mortgage needs. The scale on the survey didn't go high enough for you!”
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.SAFE Act Registered Mortgage Originators