Mortgages for 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.