Meet the Right Loan Officer

Meet Our Team / Sean Carpenter

Sean Carpenter
NMLS #427952

Sean Carpenter

As a member of Michiana’s mortgage lending team, Sean is a seasoned banker with years of experience educating and assisting families during the homebuying process. He has assisted with all areas of home loans, including conventional, new construction, FHA, and VA.

Sean is a graduate of Rochester Institute of Technology in New York. He is a member of St. Pius Catholic Church, and Greater South Bend and Mishawaka Association of Realtors.

He resides in South Bend.

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Today's Mortgage Rates

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. To view your estimated monthly payment, please enter your loan amount in the box to the right and hit the Submit button. Then click on the View Payment link for each loan type.

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. $50.00 minimum deposit is required to open a checking account.

Conventional-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Conforming 30 Year Fixed Rate 4.000 4.080 0.000 0.250
Conforming 20 Year Fixed Rate 3.750 3.828 0.000 0.000
Conforming 15 Year Fixed Rate 3.375 3.513 0.000 0.125
VA-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
VA 30 Year Fixed Rate 3.750 4.088 0.000 0.000
Jumbo-Indiana Rate (%) APR (%) Points (%) Rebate (%) Payment
Jumbo 30 Year Fixed Rate 4.125 4.205 0.000 0.375
Jumbo 15 Year Fixed Rate 3.500 3.640 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.

Rates last updated on 11/24/2017

Free Consultation

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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Not sure what information you'll need for a mortgage?

Check out this checklist on what is usually required during the loan process!

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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