| Loans |
Consumer Financing | Commercial or Farm Financing
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| Consumer Financing |
Residential Real Estate Financing |
- Purchase or refinance
- Fixed rate or adjustable rate
- Primary residence, second home, or investment property
- Pre-Qualification Available
- Interest may be tax deductible (consult your tax advisor)
- Real Estate Loan Types:
- Conventional Fannie Mae – up to 97% financing available
- Conventional in-house
- FHA (including 203(k) program) – up to 96.5% financing available
- Rural Development – up to 100% financing available
- VA (for veterans of the US Armed Forces) – up to 100% financing available
- Reverse mortgages
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| Real Estate Construction Loans |
- Construction of a new home
- Additions or renovations to your existing home
- Flexible advance schedules
- Interest may be tax deductible (consult your tax advisor)
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| Home Equity Loans |
- Home Equity Loan Types:
- Term loan with fixed rate (up to 5 year term)
- Term loan with variable rate (up to 15 year term)
- Home equity line of credit (HELOC) with check-writing convenience
- Interest may be tax deductible (consult your tax advisor)
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| Automobile Loans |
- New and used cars, trucks, motorcycles, RVs, ATVs, boats, etc.
- Purchase or refinance
- Fixed interest rates
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| Personal Loans |
- Secured or unsecured
- Fixed interest rates
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| Commercial and Argricultural Financing |
Commercial or Agricultural Real Estate Financing |
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| Commercial Construction Loans |
- Construction of a new business
- Additions or renovations to your existing business
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| Commerical or Agricultural Term Loans |
- New and used equipment, machinery, trucks, etc.
- Purchase or refinance
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| Commercial or Agricultural Lines of Credit |
- Available for working capital, crop inputs, inventory, etc.
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| Commercial or Agricultural Letters of Credit |
SBA (Small Business Administration) Loans |
FSA (Farm Service Agency) Loans |
For more information about our loan products and services, please contact us at any of our bank branches. Please click on “Bank Hours/Locations” for contact information.
At this time we do not have our loan applications available on our website. However, we are able to provide blank loan applications via email; please call us if you would like us to email an application to you for any of the loan types listed above.
CentreBank does not guarantee approval for any applicant on any loan type; each application received by CentreBank will be evaluated and reviewed on an individual basis. Loan approval will be subject to a review of the applicant’s credit, income, collateral, character, and any other factors deemed relevant by CentreBank and its officers, in accordance with CentreBank’s underwriting criteria and loan policies and Federal and state laws.
The Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the FDIC Consumer Response Center, 2345 Grand Boulevard, Suite 100, Kansas City, Missouri 64108. |
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Attention Fannie Mae Mortgage Loan Customers |
If you are having trouble making your mortgage loan payment, please contact us immediately so we can work with you to try to find a workout option that best suits your needs. Please call (800) 306-2228 and ask for Jeremy Webster, our loss mitigation specialist.
If your Fannie Mae loan has already been reviewed for a workout option and you wish to escalate your case for further review, please call (800) 306-2228 and ask for Kathaleen Houser, our escalation specialist. We will acknowledge the escalation of your case within three business days of receipt, and we will provide written documentation of the resolution of your escalated case within fifteen calendar days of receipt. In some circumstances we may have to extend your resolution date an additional fifteen calendar days, in which instance we will notify you immediately of the extension. If your loan has already been referred for foreclosure, we will expedite the processing of your escalated case, though we may be unable to postpone the foreclosure sale date if it is within fifteen days of the receipt of your case.
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