Meet Our Team / 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.
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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||3.125||3.220||0.000||0.125||—|
|Conforming 20 Year Fixed Rate||2.875||3.048||0.125||0.000||—|
|Conforming 15 Year Fixed Rate||2.500||2.702||0.000||0.500||—|
|VA-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|VA 30 Year Fixed Rate||2.750||3.027||0.000||0.000||—|
|Jumbo-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|Jumbo 30 Year Fixed Rate||3.500||3.560||0.000||0.125||—|
|Jumbo 15 Year Fixed Rate||2.875||3.019||0.000||0.500||—|
|Jumbo Loan Special: Jumbo 5/6 SOFR Adjustable Rate Mortgage (ARM)||2.375||2.904||0.000||0.125||—|
|FHA-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|FHA 30 Year Fixed Rate||3.000||4.069||0.250||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 9/22/2021
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.
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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.
Centier Bank NMLS # 408076