Centra Bank

Mortgage Services

Whether you’re buying your first home, moving, or refinancing your current home, we have a mortgage loan that makes it easy for you. Let us show you our competitive rates and low closing costs. Pick up a phone and start applying for a home mortgage by talking with one of our mortgage specialists, who will work with you and help answer any questions you may have.

What Centra Can Do For You!

Closings in 30 days or less
Same-day pre-qualifications
Low closing costs
After-hours appointments
Best rates in town
Wide variety of loan programs

We have provided examples of some frequently asked questions for your convenience.

How much home can I afford?
This depends on two main factors: your income and the amount of down payment you wish to make. Use our payment calculator to help you answer this question.

Where do I get my down payment?
There are lots of ways you can meet the down payment requirements of a mortgage, including:

Personal savings are your best source, so start saving early!
Gift from family members
A secured loan

What does my credit report say about me?
The information contained within your credit report goes a long way toward helping you qualify for a mortgage. In order to avoid surprises and loan processing delays, it’s smart to get a copy of your credit report, read it, and notify the credit bureau of any errors before applying for a mortgage. A copy can be obtained by one of these national credit bureaus:

Equifax 1-800-685-1111

Experian 1-888-397-3742

Trans Union 1-800-888-4213

Mortgage Services

We have provided examples of some frequently asked questions for your convenience.

Mortgage Payment Calculator