We make it simple. You make it home with Simple Mortgage.
Start the process. Apply now, view your progress, securely upload documents and message your Mortgage Loan Originator as you go with Simple Mortgage from Centennial Bank.
How Does Purchasing or Refinancing Work? Let's walk you through the application process.
Purchase/Refinance Process

Start Your Application
Start your application by filling out an application.

Gather Information
There are some documents that you will need to gather to go with your application.

Underwriting
Our underwriting team will work to review everything.

Sign Your Closing Papers
Once your loan is finalized, we will send you closing disclosures to review.

Manage Your Mortgage
We make managing your mortgage simple.

Start Your Application
The first step is to fill out an application. You can do this by working with a Mortgage Loan Originator at your local branch or by applying online.

Gather Information
There are some documents that you will need to gather to go along with your application.
- Residence history for the last two years
- Employment history for the last two years
- Income information for the last two years
- Year to date pay stub
- W2s for the last two years
- Tax returns for the last two years
- Deposit, Retirement and Equities account information
- Real Estate information

Underwriting
Once we have your application and all the documents that are needed, our underwriting team will work to review everything that has been provided. At this time, we will also ensure that we have answered all your questions and make sure that we have all the documents needed based on your specific financial need.

Sign Your Closing Papers
Once your loan is finalized, we will send you closing disclosures to review. These disclosures will include the final third-party costs, mortgage balance, and prepaid costs. We will work with you to schedule the closing and get all necessary documents signed.

Manage Your Mortgage
You can use our Simple Mortgage app to manage your mortgage from anywhere.
Financial Literacy the Centennial Bank Way
Home Buyer Education Classes
Want to learn more about the value of buying a home? Join a Centennial Bank Mortgage Loan Originator every 3rd Thursday to learn helpful tips and tricks on buying the home of your dreams.
Sign up NowGet in Touch
Looking for the perfect person to help you purchase that dream home? Our Mortgage Loan Originators are here to help!
OriginatorsPick the Perfect Option
Picking the right loan type for you can be challenging. Need more information to help you make sure you are in the know? Start here!
Read MoreSpeed up the Loan Approval Process
Our loan officers are here to help with all your mortgage needs. Find a loan officer near you.
Find a Loan OfficerDisclosures
All loans are subject to credit and property approval.
When using the Simple Mortgage app, your wireless carrier's data rates may apply.