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Neighborhood Loan Program

A new home might be closer than you think. 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 a reality. Our Neighborhood Loan program is a flexible solution to align with your homeownership goals.

Visit our free Homeownership eCourse for additional resources.

Neighborhood Loan Program*:

  • As little as $0 down
  • No Private Mortgage Insurance
  • Competitive rates
  • No processing or underwriting fees

This Program Applies to:

  • Homes in eligible income areas
  • Borrowers within specific income areas
  • Conventional and Extended Builder Loans

    Neighborhood Loan Plus Features*:

    • Max loan amount of $250,000
    • 100% Loan to Value
    • No Private Mortgage Insurance


    *Offer valid in Adams, Allen, Bartholomew, Benton, Boone, Brown, Carroll, Clinton, DeKalb, Elkhart, Fountain, Hamilton, Hancock, Hendricks, Huntington, Jasper, Johnson, Kosciusko, LaGrange, Lake, LaPorte, Madison, Marion, Marshall, Montgomery, Morgan, Newton, Noble, Porter, Shelby, St. Joseph, Starke, Steuben, Tippecanoe, Tipton, Warren, Wells, White, & Whitley counties. Contact a Centier Bank Mortgage Loan Officer to verify whether a home is in an eligible income area. Subject to credit approval. Property insurance required. Valid for Neighborhood Loan Programs only. Offer subject to change without notice. $250,000 maximum loan amount. Borrowers may also qualify for this program if not in a Low/ Moderate Census tract; as long as borrow income qualifies at 80% or 50% of Median income for the area of subject property. If the home is located in a low or moderate income census tract the tract income level will determine product/pricing regardless of borrower actual income level.

    Centier Bank NMLS # 408076