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.
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 |
4.125 |
4.205 |
0.000 |
0.500 |
— |
| Conforming 20 Year Fixed Rate |
3.875 |
3.953 |
0.000 |
0.375 |
— |
| Conforming 15 Year Fixed Rate |
3.375 |
3.451 |
0.000 |
0.250 |
— |
| 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 |
0.500 |
— |
| Jumbo 15 Year Fixed Rate |
3.375 |
3.451 |
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 7/20/2017
Free Consultation
Customer Quotes
"Jennifer was able to get my loan funded under tough circumstances. In spite of all the hurdles, she processed my loan super-fast, even when my friends in the mortgage business couldn't get it done."
Renee
"When I finally called Lili things started moving fast. She explained everything clearly and answered all of my questions honestly. She was also kind. I would advise anyone looking to buy a home to give Lili a call. Thanks again to everyone at Centier who helped me achieve my dream."
Myrlene
"In all of our real estate transactions, from purchasing to refinancing, I would never think of using anyone other than Jennifer. Her personal care and attention to our needs as a home owner far exceed any others in her line of work. She truly 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."
James & Celena
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.
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.
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