Meet the Right Loan Officer

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!

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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. To view your estimated monthly payment, please enter your loan amount in the box to the right and hit the Submit button. Then click on the View Payment link for each loan type.

The information provided assumes the 0.5% discount point provided through optional enrollment in the Auto-Transfer Discount Option which requires automatic deduction from an eligible Centier checking account. $50.00 minimum deposit is required to open a checking account.

Conventional-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Conforming 30 Year Fixed Rate 4.250 4.330 0.000 0.125
Conforming 20 Year Fixed Rate 4.125 4.235 0.000 0.500
Conforming 15 Year Fixed Rate 3.500 3.640 0.000 0.125
VA-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 3.750 4.088 0.000 0.000
Jumbo-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 4.250 4.330 0.000 0.125
Jumbo 15 Year Fixed Rate 3.500 3.640 0.000 0.125

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.

Rates last updated on 3/28/2017

Free Consultation

Customer Quotes

"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

"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

"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 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

"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

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.

  • Conventional Fixed and Adjustable Rates (ARM's)
  • FHA Fixed and Adjustable Rates (ARM’s)
  • VA Fixed and Adjustable Rates (ARM’s)
  • Jumbo Fixed and Adjustable Rates (ARM’s)
  • Construction – Perm Fixed and Adjustable Rates (ARM’s)
  • Indiana Housing and Community Development Loans
  • Lot Loans
  • Additional loan products may be available. Contact a Mortgage Loan Officer for details.

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Not sure what information you'll need for a mortgage?

Check out this checklist on what is usually required during the loan process!

Disclosures

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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