Buying & Refinancing a Home

For over 120 years we've helped people like you reach their goals of homeownership.
We are an award-winning Northern Indiana bank with a reputation for strong values
and quality service. Centier has many options with competitive rates to help you
achieve your goals.

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Apply For A Home Loan

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.

Conventional-Indiana Rate (%) APR (%) Points (%)
Conforming 30 Year Fixed Rate 4.000 4.072 0.250
Conforming 15 Year Fixed Rate 3.250 3.339 0.000
ARM-Indiana Rate (%) APR (%) Points (%)
5 Year Adjustable Rate-Libor 3.875 3.846 0.000
7 Year Adjustable Rate-Libor 4.375 4.102 0.000
FHA-Indiana Rate (%) APR (%) Points (%)
FHA 30 Year Fixed Rate 3.750 4.775 0.000
FHA 15 Year Fixed Rate 3.250 4.260 0.000
VA-Indiana Rate (%) APR (%) Points (%)
Federal VA 30 Year Fixed Rate 3.750 3.935 0.000
Jumbo-Indiana Rate (%) APR (%) Points (%)
Jumbo 30 Year Fixed Rate 4.000 4.063 0.500
Jumbo 15 Year Fixed Rate 3.250 3.286 0.000

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Customer Quotes

"Our prior refinance went so smoothly with our Mortgage Loan Officer, Karyn Fish, that when rates dropped and a refi was in our future, I knew exactly who to call. Karyn was excellent! I would definitely recommend her to others."
Margaret — Griffith, IN

"Kari Bennett was wonderful to work with. She is knowledgeable & really made our loan possible. Without her expertise we would not have closed our deal. She helped us out of a jam with another lender. She went the extra mile! We would highly recommend her to anyone wanting a mortgage loan."
Sheryl — Valparaiso, IN

Available Home Loan Products

We offer a variety of mortgage loan products with great rates, great service & low closing costs. Contact us today to get started with your home loan.

  • Conventional Fixed and Adjustable Rates (ARM’s)
  • FHA Fixed and Adjustable Rates (ARM’s)
  • VA Fixed and Adjustable Rates (ARM’s)
  • Jumbo Fixed and Adjustable Rates (ARM’s)
  • Construction – Perm Fixed and Adjustable Rates (ARM’s)
  • Indiana Housing and Community Development Loans
  • Lot Loans

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Work with the Best

Centier Bank is a proud member of the Indiana Mortgage Bankers Association and the Mortgage Bankers Association of America. Centier also partners with Freddie Mac and offers many of their loan products.

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


Thank you for choosing Centier Bank as your home mortgage lender. The following steps are critical to process your online mortgage application. Once you have completed your application, a Centier loan officer will contact you to discuss the application and answer any questions you may have. Your loan officer is also available to assist at any time during the mortgage process. At Centier, we pride ourselves on world class service and are happy to help you realize your dream of a new home.


In order for us to proceed with your loan request in a timely manner, we will need to receive copies of the following documents within 7 calendar days of your application:

  • Copies of all W-2’s and/or 1099 forms for all applicants for the past two years
  • Most recent pay stubs covering the last 30 days for all borrowers
  • Copies of the most recent bank statements for each checking, savings, money market, 401k, or any other depository accounts listed on your application
  • Application fee, paid either by credit card on the system, or check payable to Centier Bank
  • If you are purchasing a home, a legible copy of all pages of the Purchase Agreement signed by all buyers and sellers

Additional information specific to your loan request may also be required.

If the above documents are not provided to us within 7 calendar days of the application, we will assume you do not wish to proceed and we will give no further consideration to the application. Any costs incurred by Centier in conjunction with your loan application will be considered earned and are non-refundable.

I agree to the terms listed above and wish to continue with the online application.
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