Mortgage Lending

Buying a home is an experience filled with excitement and anticipation. You've taken great care to find the home that's right for you. Now, let the mortgage experts at Centennial Bank and Trust help you assess the mortgage loan that best fits your financial situation.

Whether you're a first-time homebuyer or an experienced investor, we offer competitive programs to meet your unique needs and goals on the path to homeownership. We also specialize in providing the best solutions if you want to refinance your existing mortgage loan. Our experts will guide you through every step of the loan process; providing a smooth and stress-free experience and the valuable advice that really makes a difference. 

When you are ready to buy a home or refinance your existing mortgage loan, trust the experienced mortgage team at Centennial Bank and Trust. We're here to help you find a solution for your home buying needs!

The Centennial Bank and Trust mortgage group has access to the best mortgage loan products in the industry. Our loans are underwritten with state-of-the-art mortgage technology, thus streamlining the loan application process and providing faster approvals with fewer issues or unnecessary delays. We also have an in-house underwriter, for any portfolio product, to provide processing, underwriting and funding support - making your transaction as seamless as possible.


We finance:

  • Owner-occupied Residential Loans
  • Non-owner occupied Residential Loans
  • Second or Vacation Homes
  • 1-4 Family Unit Properties


Our diverse, flexible mortgage options include:

  • Conventional Financing
  • FHA / VA
  • Jumbo
  • Investment Property


Conventional Loans

  • Purchases or refinances
  • 1-4 family units
  • Fixed-rate and adjustable-rate mortgages available


FHA Loans:

  • Government insured/guaranteed loans
  • FHA mortgage loans have maximum loan limits that vary depending on the average cost of housing in a given region. Our loan consultants will provide you with details specific to your transaction.
  • Available for purchases or refinances
  • Down-payment funds can be gifted or borrowed against a secure asset


VA Loans:

Government insured/guaranteed loans

  • VA guarantee allows eligible veterans to purchase a home with no down payment and up to 100% financing


Jumbo Loans:

Loans that exceed the conforming loan limit

  • Fixed-rate and adjustable-rate mortgages available
  • Primary residences and second homes

Investment Property Loans:

Loans for one to four family rental properties

  • Purchases

All loans are subject to credit, income and employment approvals.
Please see a Mortgage Loan Originator for further details.

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