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.
Lili Del Toro
Lili Del Toro
Lili Del Toro is a seasoned banker with over 16 years of experience. For the past 10 years, she has served as the branch manager/assistant vice president and community coordinator in East Chicago. Over the years, she has developed many long-lasting working relationships with clients and businesses in her community. As a member of Centier’s Community Development Lending Team, Lili’s experience and knowledge offer Centier clients options on a full range of mortgage products, including Emerging Markets programs and Fixed-Rate Conventional loans.
A resident of Merrillville, Lili is a graduate of Purdue University Calumet with a B.S. in Business Administration and a major in Finance. She is a member of the Greater Northwest Indiana Association of Realtors, Indiana Mortgage Bankers Association, and the Lakeshore Chamber of Commerce. Lili regularly volunteers to host Homeownership Mortgage Education Programs to help first time homebuyers plan to buy their first homes.
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||4.500||4.553||0.000|
|Conforming 20 Year Fixed Rate||4.250||4.322||0.000|
|Conforming 15 Year Fixed Rate||3.500||3.591||0.000|
|ARM-Indiana||Rate (%)||APR (%)||Points (%)|
|5 Year Adjustable Rate-Libor||3.625||3.431||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|
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.
“When I finally called Lili things started moving fast. She explained everything clearly and answered all of my questions honestly. She was also kind. I would advise anyone looking to buy a home to give Lili a call. Thanks again to everyone at Centier who helped me achieve my dream.”
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