Make your home a place of rest, not a source of financial stress, with the help of local experts.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation
  • Several financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • Construction Loans
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free pre-qualification for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

Learn More

Visit the Centric Mortgage Center to find answers to common questions. Compare our home mortgage loan programs below. For additional information, please contact Rhonda Thornhill at (318) 340-9656.

Loan 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

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


  • 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

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, 10, 15 year terms available (10 and 15 year terms have a 5 year balloon)

New Construction

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

Home Equity/Second Mortgage

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


  • Site built homes only
  • For purchase or refinance up to 100% of appraised value
  • Based on Veterans available entitlement
Meet Our Lenders

Rhonda Thornhill
VP Mortgage Services
Email Rhonda


Kathy Harris
Mortage Lender
Email Kathy

Sharon Shrell
Ruston Market Manager
Email Sharon

Contact Mortgage Services
(318) 340-9656