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Mortgage

Connect With a Mortgage Loan Originator Today

It 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.

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Mortgage Loan Types

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.


Disclosures

All loans are subject to credit and property approval.

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