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.
Refinance
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.
- Conventional Fixed and Adjustable Rate products
- FHA and VA loans
- Jumbo Fixed and Adjustable rate products
- New Construction Lending with a one-time close and extended rate lock period
- Lot Loans
- Second and Vacation Home Loans
- Indiana Housing and Community Development Loans
- Loans for Homes in Low to Moderate Income Areas
Ready to get started?
Apply Now
Home Mortgage Resources
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.
Calculators
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?
Common Questions & Definitions About Mortgages
Lingering questions? No problem. We've compiled some of the most common questions, answers and definitions to clear things up.
Prequalification can inform you about different mortgage options available to you and identify the most appropriate fit for your needs and goals.
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?
What Our Centier Bank Clients Say
"Centier Bank took good care of me during my mortgage reļ¬nance. Read More
"Kelly Hendrickson was outstanding during our refinance of mortgage."
"I recently refinanced my home mortgage with Candy. Her years of experience and knowledge of the mortgage industry were very apparent. She confide... Read More
"In all of our real estate transactions, from purchasing to refinancing, I would never think of using anyone other than Jennifer. Her personal car... Read More
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.
Disclosures
* 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
