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.

Michele Pavey

Michele Pavey

Mortgage Loan Officer

NMLS # 322923

Michele Pavey

Michele is a respected loan officer serving the greater Lafayette area. She has more than 15 years of professional lending experience.

Michele sits on the Board of Directors for The Friends of Downtown and the Community Relations Advisory Committee. She participates in the Wyandotte PTO and is an Ambassador for the Greater Lafayette Chamber of Commerce.

Michele resides in Lafayette with her son.

Office: (765) 420-0218

Fax: (765) 420-0225

› Email:

323 Columbia Street, Suite 2A
  Lafayette, IN 47901

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 3.750 3.801 0.000
Conforming 20 Year Fixed Rate 3.500 3.570 0.000
Conforming 15 Year Fixed Rate 3.000 3.090 0.000
ARM-Indiana Rate (%) APR (%) Points (%)
5 Year Adjustable Rate-Libor 2.875 3.332 0.000
7 Year Adjustable Rate-Libor 3.125 3.396 0.250
FHA-Indiana Rate (%) APR (%) Points (%)
FHA 30 Year Fixed Rate 3.375 4.403 0.000
FHA 15 Year Fixed Rate 2.750 3.767 0.000

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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

“I was referred to Michele when I was ready to become a first time homeowner. The home loan process at first seemed a little overwhelming, but Michele was there every step of the way to make sure everything was taken care of. Michele was always available for any questions or concerns, and she made me feel at ease with what at first seemed to be a daunting task. Thanks to her help, I am now a happy homeowner. I would recommend Michele to anyone who is in search of a home loan.”

“I had the best experience getting a home loan with Michele. She walked me through everything. If I had a question she could answer it, and I had a lot of questions. Michele also did a lot of the leg work for me. Thank you again for all you did for me.”

“My hopes of owning a home seemed more of a dream than reality. Michele reviewed my financials, assisted with document preparation, and suggested I fill out a mortgage loan application. I was astonished when she informed me I was approved for a mortgage and should start looking for a home. The hardest part of the process was actually choosing what home to buy. To this day, when I pull into the drive way, I can’t believe I actually own the home of my dreams! ”

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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