At Century Bank and Trust, we are more than just a bank. We are your neighborhood experts who can answer questions, provide advice and brainstorm about what you want and how to get it. And because a home loan is something that you'll live with for a long time, we'll make sure you get one that fits, whether you're a first-time homebuyer or building a custom home.
Home Lending Programs and Products
Unlike most first-time homebuyer programs, with FHA home loans down payment requirements are traditionally lower than conventional financing.
Traditional fixed-rate home loans provide predictability in rate and payments. As a Freddie Mac and Federal Home Loan Bank of Indianapolis seller/servicers, Century Bank and Trust offers a variety of government backed loans.
Rural Development**-First-time Homebuyer
This USDA sponsored program is ideal if you're a first-time homebuyer looking to purchase in "rural defined population service areas." You must also meet certain income requirements. Learn More
Adjustable Rate Mortgage (ARM)
If you're hoping to buy and sell your home in the near future, an ARM loan might be a good fit. These loans offer introductory rates that adjust periodically throughout the life of the loan.
If you are an ex-servicemen or women or on active duty, you may be eligible for a VA mortgage loan. VA loans come with several benefits and we are happy to be able to provide this funding to our community. Learn more at Federal VA.
Construction and Renovation
Whether you are buying new, building your dream home from the ground up, or renovating your current home, Century Bank and Trust's construction and renovation loan can help get you started.
**Subject to Agency funding and availability
Loan products are subject to credit approval. Other terms, conditions, restrictions & fees may apply.
Advantages of working with Century Bank and Trust for your mortgage:
You can call or e-mail one of our mortgage professionals to answer any of your questions or to ask for advice.
Close on your mortgage quickly:
We can get your mortgage application processed quickly!
We offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage.
Confused about which program to choose?
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy-to-understand explanations of each program and a Loan Officer is always just a call or e-mail away!
Century Bank and Trust NMLS #297621