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Loans


What are you looking for? Personal Loans | Business Loans

Personal Loans

Residential Real Estate Financing

Residential Real Estate Financing

Purchase or refinance

Fixed rate or adjustable rate

Primary residence, second home, or investment property

Pre-Qualification Available

Manufactured Homes Permitted up to 95% (conventional financing)

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 – up to 96.5% financing available (203K not available)
  • USDA Rural Development Guaranteed Loans – up to 100% financing available. Interest on the portion of the loan that exceeds the value of the dwelling is not tax deductible; consult your tax advisor
  • VA (for veterans of the US Armed Forces) – up to 100% financing available

Real Estate Construction Loans

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)

Home Equity Loans

Home Equity Loans

Interest may be tax deductible (consult your tax advisor)

Home Equity Loan Types:

  • Term loans with fixed or variable rates
  • Home equity line of credit (HELOC) with check-writing convenience

Automobile Loans

Automobile Loans

New and used cars, trucks, motorcycles, RVs, ATVs, boats, etc.

Purchase or refinance

Fixed interest rates

Personal Loans

Personal Loans

Secured or unsecured

Fixed interest rates

Business Loans

Commercial or Agricultural Real Estate Financing

Commercial or Agricultural Real Estate Financing

Purchase or refinance

Farm Service Agency (FSA) lending available

Farmer Mac lending available

Small Business Administration (SBA) lending available

Commercial Construction Loans

Commercial Construction Loans

Construction of a new business

Additions or renovations to your existing business

Commerical or Agricultural Term Loans

Commerical or Agricultural Term Loans

New and used equipment, machinery, trucks, etc.

Purchase or refinance

Commercial or Agricultural Lines of Credit

Commercial or Agricultural Lines of Credit

Available for working capital, crop inputs, inventory, etc.

Additional Information

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, 1100 Walnut St, Box #11, Kansas City, MO 64106.