Centris Platinum Preferred Home Buyer Program
It’s no secret interest rates are unpredictable. If you’re looking to buy a house, we want you to have peace of mind while you’re shopping and help alleviate any worries that come with closing on the home of your dreams. Our Platinum Preferred Home Buyer Program offers 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, click the button below.
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.