Meet Our Team / Tom Stayer
With over 30 years in the mortgage world, Tom Stayer brings a wealth of knowledge and experience to his clients and their needs. As a former business owner and longtime mortgage originator, Tom knows the products and programs that will put families in the right homes for them. Tom has seen all types of housing markets and trends, and he brings his level of expertise in serving residential mortgages at Centier’s Carmel branch.
In addition to his work with mortgage loans, Tom is a Butler University graduate and Carmel resident and enjoys spending time with his family.
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||4.500||4.581||0.000||0.000||—|
|Conforming 20 Year Fixed Rate||4.375||4.456||0.000||0.375||—|
|Conforming 15 Year Fixed Rate||4.000||4.079||0.000||0.125||—|
|VA-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|VA 30 Year Fixed Rate||4.375||4.725||0.000||0.000||—|
|Jumbo-Indiana||Rate (%)||APR (%)||Points (%)||Rebate (%)||Payment|
|Jumbo 30 Year Fixed Rate||4.625||4.707||0.000||0.125||—|
|Jumbo 15 Year Fixed Rate||4.125||4.267||0.000||0.250||—|
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 2/20/2018
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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Check out this checklist on what is usually required during the loan process!
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.