Home Mortgage Center

Home Mortgage Center

the basics

Buying a house is one of the largest and most important purchases most of us will ever make. That's why at Centric, we have a variety of options available and experienced mortgage lenders ready to help you select the loan that's best suited for your needs.

Whether you already have your new home selected or you're preparing to start the hunt, let us help you make an informed purchase by scheduling a brief consultation today.

Not a traditional home buyer? Looking to refinance with a lower rate to reduce your monthly mortgage note, or wanting to utilize the equity in your home to finance renovations or other needs? No problem; we have loans for that, too.

We can tailor our mortgage programs to fit your situation, no matter how unique it is.

  • Competitive interest rates
  • Various terms available
  • Loan amount and terms based on job tenure, credit history, and income

For more information, current rates or to apply, contact Rhonda Thornhill at (318) 340-9656.

available programs


  • Federally insured through the Federal Housing Authority for easier credit qualifying and lower fees
  • Flexible credit guidelines
  • Down payments as low as 3.5% of the purchase price
  • Seller can pay up to 6% of sale prices toward closing costs
  • For refinance of an FHA loan, finance up to 97.5% of appraised value
  • 15, 20 and 30 year terms available
  • Apply now

Rural Development

  • Government guarantee program for low and moderate income families
  • Flexible credit guidelines
  • Low interest rates
  • No down payment required
  • Site built homes only
  • Must meet income eligibility requirements
  • Seller can pay up to 6% of sale prices toward closing costs
  • Finance up to 102% of appraised value
  • For refinance of a Rural Development loan, finance up to 100.5% of appraised value
  • 30-year term only
  • Apply now


  • For site built and multi-section manufactured homes only
  • Down payments as low as 3% of the purchase price
  • No mortgage insurance required with 20% down
  • Seller can pay up to 3% of sales price toward closing costs
  • 10, 15, 20 and 30 year terms available
  • 10 and 15 year loans kept in-house at Centric
  • Apply now

Manufactured Homes without Land

  • For the purchase or refinance of either single- or multi-section homes
  • 5 to 20 year terms available for multi-section
  • 5 to 15 year terms available on single-section


  • For purchase or refinance
  • Finance up to 90% of appraised value of property
  • 5 to 10 year terms available
  • Apply now

New Construction

  • Borrow up to 80% of appraised value of property
  • 9 month term
  • Interest only payments required
  • Apply now

Home Equity/Second Mortgage

  • Borrow up to 90% of appraised value of property
  • 5, 10 and 15 year terms available
  • Apply now


  • Site built homes only
  • For purchase or refinance up to 100% of appraised value
  • Based on Veterans available entitlement
  • Apply now
meet our lenders



Rhonda Thornhill

VP Mortgage Services

Kathy Harris

Mortage Lender

Contact information for Mortgage Services

Mortgage@MyCentric.org or (318) 340-9656