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Home Mortgages

Our lenders are trained to help you get the best financing with a variety of home lending options. Pre-qualification is easy.

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Lenders

We can lend in six states. Find a lender near you.

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Resources

Your lender will need documentation to get the process started.

Things to Bring
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Questions?

We've rounded up everything you need to know.

Frequently Asked Questions

Mortgage Products

We offer the following loan options for purchases and refinances

  • A variety of loan terms to fit your budget
  • Conventional and FHA-insured loans with low down payment options
  • VA-guaranteed loans to eligible veterans with no down payments
  • Ask about our 1-year rate lock program that is designed to help those building a new home take advantage of today's rates
  • HomeOne Loans - low down payment options for first-time homebuyers
  • Lender Paid Mortgage Insurance Loan Program - No borrower-paid mortgage insurance
  • Home Possible - this product has been recently enhanced to make home ownership possible to a wider variety of people, including low- and moderate-income individuals
  • Home Equity Lines of Credit (HELOCs)
  • Second Home Loans
  • Investment Property Loans
  • Cash-out equity refinances for various purposes including debt consolidation or any of life's unexpected expenses
  • No cash-out refinance options including the HARP program to help those who owe more than their home is currently worth

Tired of Lender Fees? So are we!

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Money for Life, Mortgage Fee Guarantee


The average homeowner will purchase a new home and refinance several times during their lifetime. The costs of refinancing a mortgage can add up over time, which is why we’re offering the Money for Life, Mortgage Fee Guarantee to Central National Bank mortgage customers.

When you finance the purchase of a home with us, we’ll waive our lender fees for that loan and any future refinances of that property.1

Refinancing an existing mortgage? Once refinanced, you'll receive the same guarantee!

Frequently Asked Questions

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Online

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Paper Application

Paper Application

You can also download and print an application.

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Resources

Toy house

Here's a list of a few documents we might need from you in the loan process:

  • Paycheck stubs for most recent 30-day period
  • All W-2's received for the past two tax years
  • Federal Income Tax returns for the past two tax years, including all pages and schedules (include business returns, if applicable)
  • For any liquid assets (checking, savings, CD's, money markets, mutual funds, retirement, stocks, bonds, etc.), account statements for most recent two month period
  • If purchasing, signed purchase contract, including any amendments, addendums, etc
  • Copy of previous appraisal report (if available)
  • Cost estimates for proposed home improvements (Home Improvement Loans Only)

Home Loan Toolkit

Check out the Home Loan Toolkit provided by the Consumer Financial Protection Bureau. The toolkit is geared toward helping you work through the home buying process.

Home Loan Toolkit

Join the Community

If you're not already living in one of our 24 communities, the first thing you'll notice is our commitment to improving and enriching the places where we live. Whether it's contributing to local schools, or the United Way drive, or lending you the money you need for a home purchase, we're dedicated to helping you live your best life.

Want to learn more about how we're involved? Follow us on our Facebook page.

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Rent vs Own

Rent or buy

Reasons to buy

  • To invest in your future
  • Tax benefits (please consult your accountant)
  • Remodeling freedom
  • Stable cost of living
  • Resell potential
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