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Ask a Centennial Mortgage Loan Originator!


Buying a home can be one of the most exciting and complex transactions of your life. At Centennial Bank, we are dedicated to explaining each step of the mortgage process in detail to every single one of our borrowers. While some individuals will have a different process due to individual circumstances, it is important you receive the fastest possible service. Our team is dedicated to bringing you a level of personal service that is second to none. With that said, you can help... 


Present all or some of the of the following to your mortgage loan originator when you meet:

Residence History

  • Your street address, or addresses, for the past 2 years
  • If you rent: your landlord's name, address and phone number
  • If you own: your mortgage lender's name and your account number

Employment History

  • Name, address and phone number of any employer you've worked for in the past 2 years

► Income Information

  • Your gross monthly salary or other income¹
  • Your year-to-date pay stub
  • Your W2 forms for the past 2 years
  • Signed tax returns if you worked on commission or if you wish to use interest, dividend or bonus income to qualify for your loan
  • If you are self employed, signed tax returns for the past 2 years and current Profit & Loss statement and Balance Sheet
  • If you are not currently employed, bring proof of other sources of income (Awards letter or 1099 for two years)

► Deposit, Retirement and Equities Account Information

  • Name of financial institution, account number and balance on all checking, savings, IRA, retirement, 401(k), stock and mutual fund accounts - including statements for the past two months

► Real Estate Information

  • Address, market value and loan information on all real estate you own
  • Copies of leases on any rental property you own

► Fees

  • Be prepared to make a payment by check for the credit report

► Other

  • Please bring a government-issued photo ID (i.e.. driver's license, state-issued non-driver's ID, US military ID)
  • If you are applying for a VA Loan, please bring your military discharge papers (Form DD214) and Certificate of Eligibility

We offer a full range of mortgage products, including Conventional, FHA, VA, Rural Development, and ADFA Home To Own!


► Fixed Rate Mortgage

  • The traditional fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper. As a rule of thumb, it may be harder to qualify for fixed-rate loans than for adjustable rate loans. When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

► Adjustable Rate Mortgages (ARM)

  • Ask our Centennial Bank Mortgage Loan Originator for ARM details. Hybrid ARMS have become increasingly popular and can offer the best of both worlds: lower potential interest rates (like ARMs) and a fixed payment for a longer period of time than most adjustable rate loans. It's a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.

¹Alimony, child support or separate maintenance income need not be revealed if you do not choose to have it considered for repaying the loan.

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Bank Owned Real Estate

Browse Centennial Bank's Properties for Sale, or Real Estate Owned List, including but not limited to residential and commercial properties acquired by Centennial Bank, their Affiliates, or as Servicer, through foreclosure.

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Student Loans

For college expenses not covered by scholarships and federal loans, Centennial Bank has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

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