Buying & Refinancing a Home
For over 120 years we've helped people like you reach their goals of homeownership. We are an award-winning Indiana bank with a reputation for strong values and quality service. Centier has many options with competitive rates to help you achieve your goals.
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.
Customer Quotes
"If you are looking for a lender, please check out Jen Pack! She was awesome from start to finish. She helped us when we first wanted to buy over a year ago. She gave us really helpful tips about credit and just helped us finally purchase our first home. Jen always had our best interest in mind. She gave us all of the options for loans and guided us to find the one that met our particular situation. I loved working with Jen because she was so personable. She helped us understand all the financial terms and explained every piece of paper thoroughly so we understood what was happening. Thank you so much Jennifer! It was an absolute pleasure working with you!"
Centier Customer
"Jennifer made refinancing my home a great experience. She answered all my questions and walked me through every detail of the loan process."
Diana
"I was fortunate to have the assistance of Brooke to guide me along each step of the mortgage process. From our first appointment, Brooke's knowledge and expertise enabled me to know what my options were, and then secure the best rates available. Throughout what may be a daunting experience for many, Brooke's considerate manner made a "business" connection that of a "caring" connection.
I have been a customer of Centier Bank for many years, and the level of caring employees have for their customers is outstanding! Brooke ranks right at the top and has provided a positive experience every step of the way!"
Maureen
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 |
4.875 |
4.958 |
0.000 |
0.500 |
— |
| Conforming 20 Year Fixed Rate |
4.625 |
4.737 |
0.000 |
0.125 |
— |
| Conforming 15 Year Fixed Rate |
4.250 |
4.393 |
0.000 |
0.000 |
— |
| VA-Indiana |
Rate (%) |
APR (%) |
Points (%) |
Rebate (%) |
Payment |
| VA 30 Year Fixed Rate |
4.625 |
5.236 |
0.000 |
0.000 |
— |
| Jumbo-Indiana |
Rate (%) |
APR (%) |
Points (%) |
Rebate (%) |
Payment |
| Jumbo 30 Year Fixed Rate |
4.875 |
4.958 |
0.000 |
0.500 |
— |
| Jumbo 15 Year Fixed Rate |
4.250 |
4.393 |
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 4/26/2018
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.
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
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.
IMPORTANT
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.
If your intent is to apply for a land only mortgage, please contact your Mortgage Loan Originator directly who will assist you in the process.
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