Meet the Right Loan Officer

Meet Our Team / Rich Galbreath

Rich Galbreath
NMLS #328523

Rich Galbreath

Rich Galbreath is a longtime mortgage loan officer with more than 24 years of experience in residential lending. A past president of the Northeast Indiana Association of Mortgage Brokers, he seeks to earn the long-term trust of his clients by meeting any and all needs throughout the life of their loan. 
Rich is well-versed in all types of mortgages and available to assist with a wide-range of products, including new construction, physician loans, jumbo fixed-rate loans, conventional and government mortgages. 

Rich graduated from Indiana University-Fort Wayne, is a Veteran of the U.S. Air Force, and lives in Fort Wayne with his wife, Shelley. Together, they enjoy long walks, traveling, reading & writing, and serving with their church family at The Chapel.

Contact Rich

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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 4.375 4.456 0.000 0.000
Conforming 20 Year Fixed Rate 4.375 4.486 0.000 0.000
Conforming 15 Year Fixed Rate 3.750 3.891 0.000 0.000
Service Transferred 30 Year Fixed Rate 4.250 4.330 0.000 0.125
VA-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 4.250 4.598 0.000 0.000
Jumbo-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 4.750 4.833 0.000 0.375
Jumbo 15 Year Fixed Rate 4.125 4.205 0.000 0.000

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. 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. For additional checking account disclosures, click here.

Rates last updated on 3/22/2019

Customer Quotes

"I was very pleased with how well the process went when purchasing our home. Rich made himself available outside of regular office hours, which was extremely helpful given I had just started a new job. He always responded quickly to all of my emails and phone calls. I am very grateful for all of his help!"Peggy M.

"I was very nervous about going through the mortgage process to buy my dream home. However, Rich made the whole process simple and explained every step of the lending process in easy to understand terms. I could not have had a better experience."Sarah M.

"Rich Galbreath is a true professional through and through. My wife and I were in an unusual situation when building our home and Rich was there for us every step of the way laying out our options and ensuring we saved enough for our down payment and closing costs. This is my second home and 3rd time working with a mortgage company/Bank and I can truly say that going with Rich was by far the best decision we've ever made."Garrett W.

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

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