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.

Jennifer Smart

Mortgage Loan Officer

NMLS # 277082

Jennifer Smart

Jennifer has been serving Northwest Indiana in providing mortgages since 1990. Whether you are new to the home loan process, moving up or relocating she excels in the knowledge and dedication to find the right loan for you. Providing a positive experience to her customers is priority one and many of her customers have returned to her over and over since her early days in the mortgage industry.

Whether your home loan needs are in Indiana or Michigan, Jennifer will provide you with WOW service during your loan process.

Office: (219) 324-6368 X4805

Cell: (219) 561-4736

Fax: (219) 326-0656

› Email:

 73 Pine Lake Ave.
  La Porte, IN 46350

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 4.375 4.428 0.000
Conforming 20 Year Fixed Rate 4.125 4.197 0.000
Conforming 15 Year Fixed Rate 3.375 3.465 0.000
ARM-Indiana Rate (%) APR (%) Points (%)
5 Year Adjustable Rate-Libor 3.500 3.387 0.000
7 Year Adjustable Rate-Libor 4.000 3.652 0.000
FHA-Indiana Rate (%) APR (%) Points (%)
FHA 30 Year Fixed Rate 3.875 5.408 0.000
FHA 15 Year Fixed Rate 3.500 4.524 0.000

Get A Personalized Quote

Available Home Loan Products

We offer a variety of mortgage loan products with great rates,
great service & low closing costs.

  • Conventional Fixed Rates
  • Conventional Adjustable Rates (ARM's)
  • FHA Fixed Rates
  • Jumbo Fixed Rates
  • Jumbo Adjustable Rates (ARM's)
  • Construction-Perm Loans
  • Indiana Housing & Community Development Loans

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.

Customer Quotes

“In all of our real estate transactions, from purchasing to refinancing, I would never think of using anyone other than Jennifer. Her personal care and attention to our needs as a home owner far exceed any others in her line of work. She truly adds an unparalleled foresight into potential issues and/or questions prior to them surfacing. Her attention to detail and responsiveness is an extremely welcome approach in this day and age of technology and lack of personal communication.”
James & Celena

“Jennifer was great through the whole process. Everything we needed to know as first time home buyers was thoroughly explained, whether it was in person, in an email, or over the phone. She was prompt with everything we needed. She took extra time with us and even contacted a few different places to get the information we needed. We could not have had a better experience, we would recommend her to anyone.”
The Musgrave’s

“Jennifer is nothing short of amazing! She was so informative and helpful during our first time purchasing a home, not to mention patient as a saint with having to explain everything to us and answer all of our questions. She made our experience much more pleasant than what it could have been somewhere else. She always kept us informed on what was happening and where we were in the process. I would recommend her to everyone!”
Robert & Tricia

“I had an instant rapport with Jennifer, which I feel is due to her well-developed people skills. She made the entire home buying experience less overwhelming. She explained all my options and gave me the chance to choose what was best suited for my needs. I would recommend her to anyone wishing to buy a home.”

“Jennifer was patient in explaining things, upbeat, and customer-focused. She kept us prepared for the next steps in the mortgage application and closing process. At times, she would act as a liaison with our insurance agent or realtor to address issues that arose. She responded promptly to our questions, even when it meant calling us back on her day off. Jennifer is a seasoned professional who is knowledgeable in her field, and we highly recommend her.”
The Skahler’s

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.

SAFE Act Registered Mortgage Originators


Live Chat