Home Lending

CenterBank offers a variety of residential mortgage loans to meet your needs, through a staff that has extensive mortgage knowledge and experience. All of our loans offer great rates, low closing costs, and no prepayment penalty. We’re available by appointment on evenings and weekends. As with all of our services, you’ll enjoy personal attention and local processing and underwriting of your loan—that’s all part of our identity as a community bank.

Conventional Financing: Conventional financing is available on both fixed and adjustable rate mortgages, including interest-only loans. Private mortgage insurance (PMI) is required on loans with less than 20% down payment.

FHA, VA, and Rural Housing Loans: CenterBank offers government sponsored loans to help homebuyers find the home loan that’s right for them. Take advantage of low down payment, favorable financing terms and competitive interest rates.

The self-employed: We have financing options for those who don't meet traditional lending guidelines.

Loans for Construction or Remodel: Whether you want to build your dream home or remodel the one you’re in, CenterBank will work with you and your builder to get the job done.

Home Equity Loans and Second Mortgages: We offer both home equity lines of credit and second mortgages. With our flexible programs, they allow you to purchase what you want- when you want. You may have the ability to borrow up to 90% of the equity in your home. Please consult with your tax advisor to discuss the tax deductibility of the interest paid.

Jumbo and Portfolio Loans: These loans are available to borrowers whose loan amount is higher than conventional loan amounts or are non-conforming loans. CenterBank sets aside a portion of its loan funds to assist buyers in situations that are “make sense” mortgages.

First-Time Homebuyers: We can help you get a customized loan that takes advantage of available first time buyers programs.

 


Home Loan Consultants



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H. Douglas Barnaclo
Vice President
Home Loan Consultant

3049 Madison Road
Cincinnati, Ohio 45209

Phone: 513-786-8507
hdb@centerbank4me.com
NMLS# 436488


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Ty Coffey
Mortgage Banking Manager

4050 Executive Park Dr., Suite 100
Cincinnati, Ohio 45241

Phone: 513-786-8503
tec@centerbank4me.com
NMLS# 1324430



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David Fuller
Home Loan Consultant

948 Old State Route 74
Cincinnati, Ohio 45245

Phone: 513-947-7283
dff@centerbank4me.com
NMLS# 937718



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Joy Henson
Home Loan Consultant

744 State Route 28
Milford, Ohio 45150

Phone: 513-965-6901
jbh@centerbank4me.com
NMLS# 589846



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Teresa (Teri) A. Hiter
Home Loan Consultant

744 State Route 28
Milford, Ohio 45150

Phone: 513-965-6920
tah@centerbank4me.com
NMLS# 50977 



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Mike Texter
Home Loan Consultant

744 State Route 28
Milford, Ohio 45150

Phone: 513-965-6929
mjt@centerbank4me.com
NMLS# 576647



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Travis Ard
Home Loan Consultant

6934 Miami Ave., Suite 22
Madeira, Ohio 45243

Phone: 513-965-6932
travis.ard@centerbank4me.com
NMLS# 277140



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James Consorti
Home Loan Consultant

3049 Madison Rd
Cincinnati, Ohio 45209

Phone: 513-965-6930
jrc@centerbank4me.com
NMLS# 284325



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April Snider-Mauer
Home Loan Consultant

4050 Executive Park Drive, Suite 100
Cincinnati, Ohio 45241

Phone: 513-786-8500
acm@centerbank4me.com
NMLS# 597754



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Angela Hawkins
Retail Banking

744 State Route 28
Milford, Ohio 45150

Phone: 513-965-6922
ajh@centerbank4me.com
NMLS# 436858



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Gina Fries
Relationship Manager

6934 Miami Ave., Suite 22
Madeira, Ohio 45243

Phone: 513-561-2001
gkf@centerbank4me.com
NMLS# 426873



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Valerie Nuttle
Relationship Manager

6934 Miami Ave., Suite 22
Miami, Ohio 45243

Phone: 513-561-2001
van@centerbank4me.com
NMLS# 439130