Meet the Right Loan Officer

Meet Our Team / Ryan Bender

Ryan Bender
NMLS #738035

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.

Contact Ryan

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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 3.875 3.954 0.000 0.000
Conforming 20 Year Fixed Rate 3.875 3.984 0.000 0.000
Conforming 15 Year Fixed Rate 3.250 3.388 0.000 0.000
Service Transferred 30 Year Fixed Rate 4.250 4.330 0.000 0.000
VA-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 3.625 3.960 0.000 0.000
Jumbo-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 4.625 4.707 0.000 0.000
Jumbo 15 Year Fixed Rate 3.875 4.016 0.000 0.000

Actual mortgage interest rates, Annual Percentage Rates (APRs), 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 loan closing.
  • The property is an existing, single family home located in Indiana, that will be used as a primary residence.
  • The borrower has excellent credit.

Rates last updated on 10/17/2019

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

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