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.
Local Mortgage Options for All Your Needs
Peace of mind is another advantage you’ll have when you get your home loan through Centris. We underwrite, process and close each loan here in our community. We take pride in closing on time and keeping your home purchase on track.
Want to Run Some Numbers First?
Click here for our mortgage calculators to help you plan payments, estimate taxes or to see which mortgage is right for you.
- First-time homebuyer program, My First Home
- Fixed, adjustable rate mortgages (ARM) and balloon loans
- VA and FHA loans
- New construction loans
My First Home
We offer our own program called My First Home. This Centris exclusive lets first-time home buyers finance with as little as $500 down and doesn’t require the home buyer to pay monthly mortgage insurance … saving you money each month for the life of your loan. Click here to apply now.
Ready to Apply?
You can easily apply online for pre-approval. Pre-approval gives you greater negotiating power as you begin your house hunt.
Your Neighborhood Mortgage Experts
Contact one of our knowledgeable mortgage service representatives by phone, email or visiting their individual pages below. No matter how you choose to get your home loan started, it’s all right here for you.
All loans subject to approval. Rates, terms and conditions are subject to change.