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

Chris France

Mortgage Loan Officer

NMLS #277082

Jennifer Smart

As La Porte’s mortgage loan officer, Jennifer works with area families to make the dream of homeownership possible. She provides individualized attention throughout the mortgage process, and is licensed to mortgage homes in Indiana and Michigan.With more than 25 years of experience, Jennifer is dedicated to finding the right mortgage options for her clients, whether they are first time homebuyers or families that are relocating. She creates a positive experience for her customers and makes them priority number one. Jennifer’s goal is to be your mortgage loan officer for life!

Office: (219) 324-6368 X4805

Cell: (219) 561-4736

› Fax: (219) 326-0656

› Email:

› 73 Pine Lake Avenue
 La Porte, IN 46350


Today's Mortgage Rates - click to view

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.

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

“Our Mortgage Loan was a smooth process. Jennifer was on top of everything and kept me informed through each step. Buying a home can be stressful with all the different players. She was the one player that I could count on. She is friendly, courteous and very knowledgeable. I can't think of anything that she needs to improve.”

“Jennifer is excellent!!! I used her when we originally purchased our house and worked with her again on our refinance. Highly recommend for your mortgage needs!!”
Michelle H.

“Jennifer is not only great at her job but she is a great person. She helped my husband and I purchase our first home. She was always very informative and explained anything we had questions on. I highly recommend her and we are grateful to have found her. Even months after closing on our home I am still able to call her with any questions I have.”
T. Laughlin

“Exceptional person to work with, made everything seamlessly move along, and was very kind and sincere. She even still checked on us after we closed. Through out the entire process she always checked on us even to see how our day was. I'll never go to anyone else for my loan needs.”

“Jennifer did a great job, even with all the loop holes we had to jump thru. Jennifer still was on top of things, letting me know when I had to jump next. I would refer Jennifer to anyone buying a house.”

“We got to know Jennifer a bit as we went through the whole process and she was just great. Everything we needed to know as first time home buyers was thoroughly explained whether it was in person, in an email or Iover the phone. She was prompt with everything we needed and available. She took extra time with us and played phone tag with different places to get the information we needed. We could not have had a better experience and we would recommend her and Centier to anyone.”
The Musgraves



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


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