Meet the Right Loan Officer

Meet Our Team / Lili Del Toro

Lili Del Toro
NMLS #416871

Lili Del Toro

Lili Del Toro is a seasoned banker with over 18 years of experience. For approximately ten years, she served as the Branch Manager, AVP, and Community Coordinator in the East Chicago community. Over the years, she has developed many long-lasting working relationships with clients and business in the community. As a member of Centier’s Community Development Lending Team, her experience and knowledge offer Centier’s clients options on a full range of mortgage products including Emerging Markets Programs, Fixed-Rate Conventional, Construction Perm, FHA, and VA loans. She also works with many down payment assistance programs which include IHCDA, City Of East Chicago, Hammond Homebound Program, and lastly Lake County Community Economic Development Department.

A resident of Crown Point, and a graduate of Purdue University Calumet with a B.S. in Business Administration and a major in Finance. She is a member of the Greater Northwest Indiana Association of Realtors, Board Member & Secretary for the NWI Mortgage Bankers Association, and a member of the Lakeshore Chamber of Commerce. She regularly volunteers to host homeownership mortgage education programs in the communities that she serves.

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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 Rate (%) APR (%) Points (%) Rebate (%) Payment
Conforming 30 Year Fixed Rate 3.375 3.451 0.125 0.000
Conforming 20 Year Fixed Rate 3.250 3.357 0.250 0.000
Conforming 15 Year Fixed Rate 3.000 3.137 0.000 0.125
VA-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 3.500 3.838 0.000 0.000
Jumbo-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 3.750 3.828 0.500 0.000
Jumbo 15 Year Fixed Rate 3.375 3.513 0.000 0.000
FHA-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
FHA 30 Year Fixed Rate 3.500 4.574 0.000 0.000

Important Notices: 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 2/27/2020

Customer Quotes

"When I finally called Lili things started moving fast. She explained everything clearly and answered all of my questions honestly. She was also kind. I would advise anyone looking to buy a home to give Lili a call. Thanks again to everyone at Centier who helped me achieve my dream."Myrlene

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

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

Centier Bank NMLS # 408076

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