Buying your Home

Whether you’ve found the perfect house, or are starting your home search, it’s easy to apply for a Mortgage Loan with Central Bank.
Start My Approval
Find a Lender

Your Home-Buying Partner

Becoming a homeowner is an exciting and major step in your financial journey. Owning a home is a great way to build equity, while customizing your space to fit your needs and wants.

How much home I can afford?

While the home-buying process can be tricky, and at times stressful, it’s easier to have a knowledgeable, trusted financial partner who’s with you every step of the way.
View Low-Income Borrower Refinance Option

The Difference Between a 30-Year and 15-Year Mortgage

Aside from the amount of years, the main difference of a 30-year and 15-year fixed loan is the amount your monthly payments will be. A 30-year mortgage spans double the time of a 15-year loan, making it more affordable per month.

Calculate your future mortgage payment

Find the Home Loan to Fit your Needs

Get your packing boxes ready! Explore these mortgage loan programs – you’ll be moving in, in no time!

A mom and dad playing with their children

Fixed-Rate Mortgage

A home loan with consistent monthly payments and flexible length options.

 A couple receiving house keys

Adjustable-Rate Mortgage

A home loan with flexibility through the life of your loan and a competitive rate.

 A couple hugging in front of their home

VA Loan

A loan for qualified U.S. service members, veterans, or a spouse that has not remarried.

 A woman using a tablet

FHA Loan

For first-time homebuyers with a minimal down payment and competitive interest rate.

 Family standing in a garden

USDA Loan

A USDA Loan is a great home loan option for homebuyers looking to finance a home in a rural area with little to no down payment.

 A family carrying boxes

Home Turf Assistance Program

This program is designed to provide assistance to first-time homebuyers who never thought home ownership was possible.

Build your Knowledge about Homebuying

Whether you know all the lingo, or are new to homebuying, we’ve got you covered!

A couple talking with a mortgage loan officer

Article | 2:18 min read

Be Prepared for These (Sometimes) Unexpected Costs at Closing
A couple standing in the window of their home

Article | 3:07 min read

Home Purchasing Tips for Couples
Jar full of coins

Article | 3:22 min read

Cost-Cutting Measures to Save for a Home: Part 1
woman

Our Lenders
notepad

Apply Online

Helpful Homebuying Links

Application Essentials Your Closing and Beyond Appraisals and Inspections