Mortgages for Your First, Next or Forever Home
Local Market Expertise and Local Decision-Making
Buying a home is a big decision, and it’s one of the biggest investments you’ll make. Whether you’re a first-time home buyer or an experienced home owner, it can be stressful and overwhelming. Rest assured that our mortgage staff with more than 80 years of experience will help you plot a clear step-by-step path to ensure your finances are in order and your home loan closes on time. Part of finding the right mortgage loan is finding the right lender. Let us be your neighborhood mortgage experts.
Find the right loan
We offer conventional 15-year and 30-year loans (fixed rate and adjustable rate) as well as VA and FHA loans, new construction loans, balloon loans, bridge loans and special first-time home buyer programs.
Apply for pre-approval
Applying for pre-approval is the smartest way to start the mortgage process. Getting pre-approved gives you perspective on your finances and helps you determine how much home you can afford to buy.
Centris can offer platinum buyer status in the housing market. It’s no secret houses are selling quickly in today’s market. If you’re looking to buy, we want you to have every assurance you will close on the home of your dreams without worry.
Our Platinum Preferred Home Buyer Program offers those assurances through simple pre-approval, rate protection, on-time closing and a rapid mortgage application.
- Simple and quick with our online application and secure document upload
- Designated mortgage representative available to speak with at any time
By allowing us to verify your information, you can feel confident you will close on a new home, and the seller knows you are serious about buying and can afford the house.
- We take pride in closing the home loan on time
- Receive $500 if the loan does not close on time
With many moving parts, buying a home can be stressful. We work hard so you don’t have to worry about the details.
- Protected interest rate for 90 days that will safeguard you from potential market rate increases
- If the market rate increases, you get the benefit of the lower rate
If you are actively looking for a home but have not found the right one, qualified buyers are eligible for rate guard.
Rapid Mortgage Application
- Apply for pre-approval without stepping into a branch
- Mortgage representative available to answer any questions no matter where you are in the online application process
Our quick online application outlines the documents needed, includes instructions on where to upload them and provides status updates.
The advantages of our Platinum Preferred Home Buyer Program, our mortgage staff with more than 80 years of experience and our local underwriting put you a step ahead in financing your first, next or forever home.
*Federally insured by NCUA. Participation in the verified pre-approval program is based on a comprehensive analysis of your credit, income, employment status, debt and assets. If new information materially changes the pre-underwritten decision resulting in a denial of your credit request, if the loan fails to close for a reason outside of Centris’ control or if you no longer want to proceed with the loan, your participation in the program will be discontinued. If your eligibility in the program does not change and your mortgage loan does not close on time, you will receive a $500 lender credit at closing. Additional conditions or exclusions may apply. Certain underwriting requirements and conditions apply. Subject to credit approval. Programs, rates, terms and conditions may change without notice. Inquire at Centris for complete terms and conditions at (800) 334-2328. Corporate NMLS 490617.
**Rate guard protects the initial interest rate for up to 90 days on conventional, FHA or VA purchase loans. The exact interest rate will depend on the day the rate is locked. Once a signed purchase agreement is submitted, we’ll compare the rate to our published rates for that date and lock the interest rate at the lower of the two rates for an additional 60 days.
***If the home loan does not close on the date specified in the signed purchase agreement, $500 will be credited to the buyer on the final closing disclosure. Any person earning more than $600 in refunds, rebates or prizes from Centris will receive an IRS 1099-MISC form at the end of the calendar year in which the money is allocated and a copy of such form will be filed with the IRS.
Payment example: An average APR of 4.182% for a $200,000 loan with a term of 30 years would result in a monthly payment of $969.30.
All loans subject to approval and creditworthiness.
Find a mortgage service rep near you
Thinking about buying your first home but not sure how to get started? Or maybe you have some questions on how to finance a trade-up. Feel free to give us a call. Our mortgage service reps will be happy to help.