Platinum Preferred Buyer Program

Centris Platinum Preferred Home Buyer Program

Centris Federal Credit Union 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.

Verified Pre-Approval1

Rate Guard2

  • Simple and quick with our online application and secure document upload
  • Designated mortgage loan originator 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.

  • 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.

On-Time Closing3

Rapid Mortgage Application

  • 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.

  • Apply for pre-approval without stepping into a branch
  • 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.

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. 

To start your pre-approval application, visit centrisfcu.org/start-application/.

1Federally 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 Federal Credit Union’s 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, $500 will be credited to the buyer on the final closing disclosure. 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 Federal Credit Union for complete terms and conditions at (800) 334-2328. Corporate NMLS 490617.

2Rate 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 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.

3If 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 Federal Credit Union 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.