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.
As a member of Lake County’s mortgage lending team, Rich has dedicated his 20+ year career to making the dream of homeownership possible. He works with families to provide individualized attention throughout the mortgage process.
Rich has built a reputation as a helpful mortgage partner, frequently offering support and building trusting relationships with clients, realtors, and builders.
A native of Highland, Indiana, Rich now resides with his family in Crown Point. He is a member of the Crossroads Regional Chamber of Commerce and Greater Northwest Indiana Association of Realtors.
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||3.625||3.696||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||3.251||0.000|
|7 Year Adjustable Rate-Libor||3.125||3.329||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|
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.
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