Home Loans - Mortgage Lending and Rates – Centier Bank - Northern Indiana

Buying & Refinancing a Home

For over 118 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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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.

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

Mortgages

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 (%)
Conforming 30 Year Fixed Rate	4.375	4.428
Conforming 20 Year Fixed Rate	4.125	4.197
Conforming 15 Year Fixed Rate	3.375	3.465

ARM-Indiana	Rate (%)	APR (%)	Points (%)
5 Year Adjustable Rate-Libor	3.500	3.387	0.000
7 Year Adjustable Rate-Libor	4.000	3.652	0.000

FHA-Indiana	Rate (%)	APR (%)	Points (%)
FHA 30 Year Fixed Rate	3.875	5.408	0.000
FHA 15 Year Fixed Rate	3.500	4.524	0.000

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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 Rates
Conventional Fixed-Rate mortgages are loans in which the interest rate never changes. It is effectively “locked in” for the entire length of the mortgage, typically 15 or 30 years. As a result of this, the monthly payments for the mortgage never change, unless other things such as property taxes or home insurance costs go up.
Conventional Adjustable Rates (ARM's)
Conventional Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates. In other words, the minimum mortgage payment will not always be the same every month. How often it changes depends on the types of indexes the lender applies. The indexes are used to determine the interest rate of the mortgage.
FHA Fixed Rates
FHA mortgages are loans in which the Federal Housing Administration provides mortgage insurance for the loan. The FHA loan allows for the purchase of a home with a low down payment, low closing costs and easy credit qualification. Fixed-Rate mortgages are loans in which the interest rate never changes.
Jumbo Fixed Rates
Jumbo mortgages, because of their size, are used to buy expensive homes. Fixed-Rate mortgages are loans in which the interest rate never changes. Luxury properties are often harder to re-sell at the original purchase price if a loan default occurs. A jumbo loan requires a bigger down payment and higher interest rates. Interest rates can vary depending on the type of real property and the amount of the loan. Multiple appraisals are often needed before a jumbo loan can be approved.
Jumbo Adjustable Rates (ARM's)
Jumbo mortgages, because of their size, are used to buy expensive homes. Adjustable-Rate mortgages (ARM) are loans in which the interest rate fluctuates. In other words, the minimum mortgage payment will not always be the same every month. Luxury properties are often harder to re-sell at the original purchase price if a loan default occurs. A jumbo loan requires a bigger down payment and higher interest rates. Interest rates can vary depending on the type of real property and the amount of the loan. Multiple appraisals are often needed before a jumbo loan can be approved.
Construction-Perm Loans
These programs combine the construction and permanent financing of your project. You qualify for the loan once, lock in the permanent rate, sign one set of loan documents and have up to 12 months to complete the construction. During the construction period, interest is charged only on the funds that have been disbursed. When the project is completed, the permanent loan period begins.
Indiana Housing & Community Development Loans
A loan for the first time homebuyer program sponsored by the State of Indiana. The IHCDA offers programs that assist Hoosiers with making down payments, getting low interest rate loans and even special programs for families that live in rural areas.

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

Waiting for the perfect interest rate? Let us do the monitoring, and we'll send you an email when our rates meet your target rates.

Work with the Best

Centier Bank is a proud member of the Mortgage Bankers Association and finances your loan with the trusted Freddie Mac lending provider.

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

“In all of our real estate transactions, from purchasing to refinancing, I would never think of using any one other than Jennifer Smart. Her personal care and attention to our needs as homeowners, far exceed any others in her line of work. She adds an unparalleled foresight into potential issues and/or questions prior to them surfacing. Her attention to detail and responsiveness is an extremely welcome approach, in this day and age of technology and lack of personal communication.”
Celena – La Porte, IN