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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.

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 5.750 5.885 0.000 0.000
Conforming 20 Year Fixed Rate 5.500 5.692 0.000 0.250
Conforming 15 Year Fixed Rate 5.000 5.256 0.000 0.000
VA-Indiana View Details
Loan Type Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 5.250 5.559 0.000 0.000
Jumbo-Indiana View Details
Loan Type Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 5.250 5.329 0.000 0.000
Jumbo 15 Year Fixed Rate 4.500 4.665 0.000 0.000
Jumbo Loan Special: Jumbo 5/6 SOFR Adjustable Rate Mortgage (ARM) 4.625 3.730 0.250 0.000
FHA-Indiana View Details
Loan Type Rate (%) APR (%) Points (%) Rebate (%) Payment
FHA 30 Year Fixed Rate 5.250 6.363 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 7/1/2022

Customer Quotes

"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.

"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.

"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.

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