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A Better Home Mortgage Loan Experience

For more than 125 years, Centier has helped people like you reach their goal of homeownership. From start to finish we are here to guide you through the home lending experience. The application process is just one click away!

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Begin Your Home Buying Journey

Whether it's your first time applying for a mortgage or your second, we're here to help you along the way! View resources, contact a mortgage loan officer or apply now.

First-Time Buyer

Get started by viewing our mortgage resources, including a homeownership e-course, interactive worksheets and robust calculators.

Ready to Buy

Apply online now with our streamlined application process or contact one of our local mortgage loan officers, both working around your schedule and needs.


Take advantage of today's rates and unlock the true value of your home. Once your mortgage is refinanced, use the money you save to increase your financial freedom.

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.

Ready to get started?

Apply Now

Today's Mortgage Rates

View the latest rates or use our personalized quote tool to view tailored rates based on information provided.

We're aware the first-time home buying process can be daunting - that's why we've created and compiled resources and tools to kickstart your journey!


Key Resources to Get You Started

Homeownership E-Course

This course provides the basics of homeownership, the steps involved in the process and tips to help new homeowners along the way.


Use our wide range of mortgage calculators to crunch the numbers, plan your finances and ultimately estimate your home buying outlook.

Common Questions & Definitions about Home Loans

We've compiled some of the most common questions, answers and definitions to clear things up and make you familiar with regular topics.


Guides & Worksheets

Explore our knowledge guides and interactive worksheets to start your journey and guide you towards finding your new home.

  • The Homeownership Guidebook - This guidebook has everything you need to get acquainted with the homebuying process, from getting a mortgage to receiving the keys to your new home.
  • Homeownership: Top 5 Tips Guide - If you are unsure how to begin the home buying process, this guide provides information on finding a mortgage loan professional, down payments, house hunting tips, and more! 
  • Home Buying Comparison Worksheet - Making the right choice when buying a home is important. Use this worksheet for help with comparing houses.

Payment/Amortization Calculator

Calculate your monthly payment and see how the principal is paid over time.*

Rent Vs Own Calculator

Calculate the difference between renting and buying a home.*

Early Payoff Calculator

Find the additional payment required to pay off your loan early.*

Debt Consolidation Calculator

Determine if you can consolidate your debt by combining it with your home mortgage.*

Looking for another calculator?

View All Calculators

Lingering questions? No problem. We've compiled some of the most common questions, answers and definitions to clear things up.

Lenders often use a debt-to-income ratio to determine how much you can afford. This ratio compares your monthly debt payments to your gross monthly income. A common guideline is that your mortgage payment should not exceed 28% of your gross income, and your total debt payments should not surpass 36%.

Prequalification can inform you about different mortgage options available to you and identify the most appropriate fit for your needs and goals.

Start My Prequalification

PMI is typically required if your down payment is less than 20%. It protects the lender in case of default. Once your loan-to-value ratio improves (usually when you have 20% equity), you can request to remove PMI. Some loans, like VA and USDA loans, don't require PMI.

A fixed-rate mortgage has a stable interest rate throughout the loan term, providing predictable monthly payments. An ARM, on the other hand, has an interest rate that may change periodically, typically after an initial fixed period. Borrowers should consider their financial goals and risk tolerance when choosing between the two.

Closing costs are fees associated with finalizing the mortgage transaction. They may include loan origination fees, appraisal fees, title insurance, and more. Closing costs usually range from 2% to 5% of the home's purchase price. Some closing costs can be negotiated, and in some cases, the seller may contribute to these costs.

The down payment requirement varies, but it's often around 3% to 20% of the home's purchase price. Government-backed loans, such as FHA loans, may have lower down payment requirements. A higher down payment can lead to lower monthly payments and may impact the interest rate you receive.

Still have questions?

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What Our Centier Bank Clients Say

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.


Related Lending Products

Whether you're looking to expand on your home's value or need an extra helping hand, we're here for that too. Explore options below!

Home Equity Loans

Put your home to work for you. Did you know you can use the value of your home for a remodel, vacation or to pay off debt? Let us show you how to leverage your home's established equity.

Neighborhood Loan

If you are looking for a new home within an eligible income area, or if you have a low to moderate household income, we may have options to help turn your dreams into reality.

Homeowners Assistance

We understand that some of our clients may be encountering difficulties during these tough economic times. No matter your situation, we will work with you to explore all available options.


* Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues as well as mortgage information.

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

Centier Bank NMLS #408076