Kelly Hendrickson

A career banker, Kelly has serviced residential lending needs for more than 20 years. Her attention to customer service and her creative approach to closing a loan has made her a top producer during her lending career. Kelly operates a transparent lending process, to the satisfaction of her clients, to ensure a seamless, completed mortgage transaction. She is also a top lending producer specializing in construction loans.

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 (%)	Rebate (%)	Payment
Conforming 30 Year Fixed Rate	4.125	4.204	0.500	—
Conforming 20 Year Fixed Rate	3.875	3.953	0.500	—
Conforming 15 Year Fixed Rate	3.375	3.451	0.250	—

Conventional-Indiana

Rate (%)

APR (%)

Points (%)

Rebate (%)

Payment

Conforming 30 Year Fixed Rate

4.125

4.204

0.000

0.500

—

Conforming 20 Year Fixed Rate

3.875

3.953

0.000

0.500

—

Conforming 15 Year Fixed Rate

3.375

3.451

0.000

0.250

—

VA-Indiana	Rate (%)	APR (%)	Points (%)	Rebate (%)	Payment
VA 30 Year Fixed Rate	3.625	3.702	0.000	0.000	—

VA-Indiana

Rate (%)

APR (%)

Points (%)

Rebate (%)

Payment

VA 30 Year Fixed Rate

3.625

3.702

0.000

—

Jumbo-Indiana	Rate (%)	APR (%)	Points (%)	Rebate (%)	Payment
Jumbo 30 Year Fixed Rate	4.125	4.204	0.000	0.500	—
Jumbo 15 Year Fixed Rate	3.375	3.451	0.000	0.250	—

Jumbo-Indiana

Rate (%)

APR (%)

Points (%)

Rebate (%)

Payment

Jumbo 30 Year Fixed Rate

4.125

4.204

0.000

0.500

—

Jumbo 15 Year Fixed Rate

3.375

3.451

0.000

0.250

—

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)

Conventional Fixed and Adjustable Rates (ARM's)

Conventional Fixed-Rate mortgages are loans in which the interest rate never changes. It is effectively "locked in" for the entire length of the mortgage, typically 15 or 30 years. As a result of this, the monthly payments for the mortgage never change, unless other things such as property taxes or home insurance costs go up.

Conventional Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates. In other words, the minimum mortgage payment will not always be the same every month. How often it changes depends on the types of indexes the lender applies. The indexes are used to determine the interest rate
FHA Fixed and Adjustable Rates (ARM’s)

FHA Fixed and Adjustable Rates (ARM’s)

FHA mortgages are loans in which the Federal Housing Administration provides mortgage insurance for the loan. The FHA loan allows for the purchase of a home with a low down payment, low closing costs and easy credit qualification. Fixed-Rate mortgages are loans in which the interest rate never changes. Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates.
VA Fixed and Adjustable Rates (ARM’s)

VA Fixed and Adjustable Rates (ARM’s)

VA mortgage loans are a guaranteed by the U.S. Department of Veterans Affairs (VA). The loan was created to supply home financing to eligible veterans in areas where private financing is not generally available. Fixed-Rate mortgages are loans in which the interest rate never changes. Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates.
Jumbo Fixed and Adjustable Rates (ARM’s)

Jumbo Fixed and Adjustable Rates (ARM’s)

Jumbo mortgages, because of their size, are used to buy expensive homes. Luxury properties are often harder to re-sell at the original purchase price if a loan default occurs. A jumbo loan requires a bigger down payment and higher interest rates. Interest rates can vary depending on the type of real property and the amount of the loan. Multiple appraisals are often needed before a jumbo loan can be approved. Fixed-Rate mortgages are loans in which the interest rate never changes. Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates.
Construction – Perm Fixed and Adjustable Rates (ARM’s)

Construction – Perm Fixed and Adjustable Rates (ARM’s)

These programs combine the construction and permanent financing of your project. You qualify for the loan once, lock in the permanent rate, sign one set of loan documents and have up to 12 months to complete the construction. During the construction period, interest is charged only on the funds that have been disbursed. When the project is completed, the permanent loan period begins. Fixed-Rate mortgages are loans in which the interest rate never changes. Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates.
Indiana Housing and Community Development Loans

Indiana Housing and Community Development Loans

A loan for the first time homebuyer program sponsored by the State of Indiana. The IHCDA offers programs that assist Hoosiers with making down payments, getting low interest rate loans and even special programs for families that live in rural areas.
Lot Loans

Lot Loans

A loan made for the purpose of purchasing land only.
Additional loan products may be available. Contact a Mortgage Loan Officer for details.

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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