Meet Our Team / Ryan Bender
As a member of Centier's Elkhart mortgage lending team, Ryan is a seasoned loan officer with over 18 years of experience. His knowledge of residential lending and enthusiasm to help families achieve their goal of home ownership make him a trusted resource for new and repeat homeowners.
A graduate of Purdue University, Ryan resides in Elkhart with his wife and children. He is a member of Trinity Lutheran Church, Elkhart Board of Realtors and the Builder's Association of Elkhart County.
Thinking about buying a home? Access the free Homeownership e-Course via Centier To You.
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||3.250||3.340||0.000||0.250||—|
|Conforming 20 Year Fixed Rate||3.125||3.300||0.125||0.000||—|
|Conforming 15 Year Fixed Rate||2.500||2.730||0.250||0.000||—|
|VA-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|VA 30 Year Fixed Rate||3.000||3.290||0.000||0.000||—|
|Jumbo-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|Jumbo 30 Year Fixed Rate||3.625||3.676||0.000||0.250||—|
|Jumbo 15 Year Fixed Rate||2.875||3.046||0.250||0.000||—|
|FHA-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|FHA 30 Year Fixed Rate||3.125||4.191||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 4/16/2021
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