Real Estate Loan

Trust your hometown mortgage lender, a full-service team for all of your mortgage needs.

Centric’s Mortgage Department proudly offers:

Competitive rates
Flexible terms for affordable payment plans
Loan amount and terms based on job tenure, credit history, and income
Helpful loan advisors with working knowledge of the local real estate market
Local decision-making and processing
Easily submit all documents securely online

Mortgage Programs

Conventional – Conventional loans are mortgages that are not insured or guaranteed by the federal government.
VA – The U.S. Department of Veterans Affairs (VA) guarantees VA loans. These guarantees allow veterans to obtain home loans with favorable terms (usually without a down payment).
USDA – The U.S. Department of Agriculture (USDA) guarantees loans to help make homeownership possible for low-income buyers in rural areas nationwide. These loans require little to no money down for qualified borrowers, as long as properties meet the USDA’s eligibility rules.
FHA – FHA loans are backed by the Federal Housing Administration (FHA). They’re meant for borrowers with smaller down payments and lower credit scores, who are unable to be approved for a conventional loan.
Home Equity Line of Credit – HELOCs use the equity in your home—that is, the difference between your home’s value and your mortgage balance—as collateral.
Land Purchase – A residential lot or land loan allows you to purchase the land you’ve always dreamed of.
Stand Alone Mobile Home – A mobile or manufactured home that does not include a land purchase.

Looking to buy a home?

We’ll provide the financial assistance and lending solutions to help you every step of the process. Here’s how it works:

Apply for a Mortgage Now

Contact Our Mortgage Team

Download Our Mortgage Document Checklist!

Become A Member

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GET PREQUALIFIED

First step, apply for a loan with us and get prequalified. This will help you set your price point and show sellers you’re serious.
Not all will qualify.

START SHOPPING

The search is on for your dream home! Work with your real estate agent to make an offer.

CHOOSE YOUR MORTGAGE

We offer a few different mortgage loan options to choose from. Don’t worry, we’ll help you select the right fit!

CLOSE THE SALE AND MOVE IN

Ready to get the keys? We’re here for you every step of the way!

Let’s crunch some numbers.

Calculate a Mortgage Payment

*Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes.

Rent or Buy?

*Our calculators are for informational purposes only and are not intended to provide financial advice. All examples are hypothetical and for illustrative purposes.