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Meet Our Team / Jennifer Smart

Jennifer Smart
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!

Thinking about buying a home? Access the free Homeownership e-Course via Centier To You.

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Today's Mortgage Rates

At Centier, we want to help you reach your goal of homeownership. Use our mortgage calculator to get an estimate of your monthly mortgage payment. You can also view today’s mortgage and interest rates or compare loan options.

Conventional-Indiana View Details
Loan Type Rate (%) APR (%) Points (%) Rebate (%) Payment
Conforming 30 Year Fixed Rate 6.625 6.759 0.500 0.000
Conforming 20 Year Fixed Rate 6.250 6.424 0.500 0.000
Conforming 15 Year Fixed Rate 6.250 6.388 0.000 0.000
VA-Indiana View Details
Loan Type Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 7.125 7.487 0.000 0.000
Jumbo-Indiana View Details
Loan Type Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 6.125 6.203 0.500 0.000
Jumbo 15 Year Fixed Rate 5.750 5.801 0.000 0.000
Jumbo Loan Special: Jumbo 5/6 SOFR Adjustable Rate Mortgage (ARM) 5.625 5.797 0.250 0.000
FHA-Indiana View Details
Loan Type Rate (%) APR (%) Points (%) Rebate (%) Payment
FHA 30 Year Fixed Rate 7.125 8.287 0.000 0.000

Important Notices: Rates, terms and conditions are subject to credit approval. Interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. Payments shown include principal, interest and mortgage insurance where applicable. Actual mortgage interest rates, Annual Percentage Rates (APRs), Discount points (Points), and/or Rebate may vary based on the borrower’s specific loan request and credit. Discount points are fees paid by the borrower to specifically reduce the interest rate of the loan. A discount point equals 1% of the loan amount. A Rebate is a credit given to the borrower by the lender and is generally used to pay closing costs. A borrower may receive a rebate by opting to have a higher interest rate. The rates displayed assume:

  • An escrow account for property taxes and insurance(s) will be established at the time of closing.
  • The property is an existing, single family home located in Indiana, that will be used as a primary residence.
  • The borrower has a credit score of 740 or higher.
  • Additional assumptions and program information can be found by clicking on the View Payment links.

Rates last updated on 11/25/2022

Customer Quotes

"Jennifer helped us through the VA loan process which was a little more detailed than a regular mortgage. Sometimes I would call Jennifer twice in one day, and she was always helpful and upbeat. After one visit with Jennifer, I felt like we had been friends for years. Jennifer is very knowledgeable and easy to work with."K. Sue Myers

"Jennifer was great through the whole process. Everything we needed to know as first time home buyers was thoroughly explained, whether it was in person, in an email, or over the phone. She was prompt with everything we needed. She took extra time with us and even contacted a few different places to get the information we needed. We could not have had a better experience, we would recommend her to anyone."The Musgrave's

"Jennifer made us feel at ease from the first minute we walked into her office. She is friendly and personable. She explained everything to us and walked us through our home purchase with ease, laughter excitement and patience. She works for the best interest of her clients, which she proved to us time and time again throughout the process."Centier Customer

"Jennifer was amazing! She is very professional, knowledgeable and responsive. She was always right there when we had questions. I would strongly recommend her as your next lender!"Centier Customer

"Jennifer was patient in explaining things, upbeat, and customer-focused. She kept us prepared for the next steps in the mortgage application and closing process. At times, she would act as a liaison with our insurance agent or realtor to address issues that arose. She responded promptly to our questions, even when it meant calling us back on her day off. Jennifer is a seasoned professional who is knowledgeable in her field, and we highly recommend her."The Skahler's

"I had an instant rapport with Jennifer, which I feel is due to her well-developed people skills. She made the entire home buying experience less overwhelming. She explained all my options and gave me the chance to choose what was best suited for my needs. I would recommend her to anyone wishing to buy a home."Daniel

"Jennifer is nothing short of amazing! She was so informative and helpful during our first time purchasing a home, not to mention patient as a saint with having to explain everything to us and answer all of our questions. She made our experience much more pleasant than what it could have been somewhere else. She always kept us informed on what was happening and where we were in the process. I would recommend her to everyone!"Robert & Tricia

"Jennifer was diligent, attentive, hardworking and honest. She was realistic and can be trusted. I would highly recommend Jennifer to anyone looking for a mortgage!"Ellen

"In all of our real estate transactions, from purchasing to refinancing, I would never think of using anyone other than Jennifer. Her personal care and attention to our needs as a home owner far exceed any others in her line of work. She truly 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."James & Celena

Available Home Loan Products

We offer a variety of mortgage loan products with competitive rates, great service and low closing costs. Contact us today and get started with your home loan.

  • Conventional Fixed and Adjustable Rate products
  • FHA and VA loans
  • Jumbo Fixed and Adjustable rate products
  • New Construction Lending with a one-time close and extended rate lock period
  • Lot Loans
  • Second and Vacation Home Loans
  • Indiana Housing and Community Development Loans

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Available Loan Products


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

Centier Bank NMLS # 408076