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Residential Mortgage Products

Centric Bank is your resource for help with your home loan needs. Whether you are purchasing a new home, building, or refinancing your current home, our mortgage professionals have the home loan solutions you need and the expertise to guide you through the process.  We have programs available for first-time home buyers as well as no-money-down programs.

Start the process by completing our prequalification worksheet. This will help you determine how much you can afford in a mortgage.


Mortgage Products Description
  • Offers a competitive fixed rate and fixed payment with terms to suit your budget.
Adjustable Rate
  • Our 5/1 Adjustable Rate Mortgage (ARM) offers an introductory fixed rate for five years, after which the interest rate adjusts annually.*
  • Designed for borrowers who expect to keep their loan only for a short period of time.
  • Annual and lifetime caps provide protection from large interest rate adjustments.
  • The Federal Housing Administration Loans were created for individuals who want a minimum down payment and low closing costs.
  • Has lower credit qualifying standards than conventional loans.
  • The VA loan (guaranteed by the U.S. Department of Veteran Affairs) is a 100% financing option for current or former military personnel.
USDA Rural Development
  • Offers 100% financing for qualified borrowers, available for homes in a designated USDA rural area.
Consumer Construction
  • If you are working to build a dream home for your family, we can help.
  • Please contact a mortgage specialist to discuss your specific needs.

Call us at 888.274.2033 to speak with a mortgage specialist about the options available to you. Mortgage interest rates and costs vary based on each customer's specific situation and needs.

*Interest rate may increase during the life of the loan.
All credit subject to approval.