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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 comptetitive fixed rate and fixed payment with terms to suit your budget.
Adjustable Rate
  • Designed for borrowers who expect to keep their loan only for a short period.
  • Rates are fixed for periods of 1, 3, 5, or 10 years.
  • 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.
Construction to Permanent
  • Offers you time to sell your current home and/or save more money, positioning the end loan where it is affordable for you.
  • Up to 95% financing is available for qualified borrowers.
  • Funds are advanced according to a draw schedule that you and your builder agree upon.
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 717.657.7727 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.