Buying & Refinancing a Home
For over 118 years we've helped people like you reach their goals of homeownership. We are an award-winning Northern Indiana bank with a reputation for strong values and quality service. Centier has many options with competitive rates to help you achieve your goals.
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
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.
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||3.375||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||4.000||5.535||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. Contact us today to get started with your home loan.
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
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.
Work with the Best
“Our prior refinance went so smoothly with our Mortgage Loan Officer, Karyn Fish, that when rates dropped and a refi was in our future, I knew exactly who to call. Karyn was excellent! I would definitely recommend her to others.”
Margaret – Griffith, IN
“Kari Bennett was wonderful to work with. She is knowledgeable & really made our loan possible. Without her expertise we would not have closed our deal. She helped us out of a jam with another lender. She went the extra mile! We would highly recommend her to anyone wanting a mortgage loan.”
Sheryl – Valparaiso, IN
“In all of our real estate transactions, from purchasing to refinancing, I would never think of using any one other than Jennifer Smart. Her personal care and attention to our needs as homeowners, far exceed any others in her line of work. She 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.”
Celena – La Porte, IN