Are you dreaming of owning a home, but want to avoid high underwriting costs and fees? Let one of Centennial Bank's experienced lenders help make your dreams of home ownership a reality with an Express Mortgage. Lock in your rate for up to 15 years without going through normal secondary market underwriting costs and red tape. Save time and money with an Express Mortgage! Contact us today to get started. 


  • Competitively low rates for home purchase or refinance1
  • Available for primary residence only
  • Fixed monthly payment amount that will remain the same for the life of the loan
  • No pre-payment penalties
  • Ideal for debt consolidation into one simple payment
  • Pre-qualifications available
  • Refinance your current home to potentially lower your rate
  • Modest out-of-pocket closing costs
  • Experienced lenders with in-depth knowledge of the loan process
  • Fast decision-making from West Tennessee locals

View the Consumer Financial Protection Bureau’s Home Loan Toolkit guide to learn more about the home buying process.

How to apply


1. Prequalify

Schedule a time to meet with one of our mortgage loan experts at a time that is most convenient for you.

Bring in the following items to help get a jump start on pre-qualifying for your loan:

  • Most recent pay stubs (within the last 30 days)
  • Last 2 years of Tax Returns (W2, etc.)

Our mortgage loan specialist will then walk you through the application process and assist you in obtaining information such as:

  • Checking and Savings account information
  • Credit Card information
  • Loans due to other financial institutions
  • Estimating other monthly expenses

2. Determine Total Costs and Type of Loan

Determine all Expenses Associated with Home Ownership

After you apply and are approved, our friendly mortgage specialists will help you determine other expenses associated with owning a home. In some cases insurance and taxes can be added into your payment so that you do not have to worry about paying the bill when it is due. Our loan specialists will also determine if you can qualify for a special type of loan such as VA or Conventional.

3. Close the Loan

Set up a time and place to close the loan.

After your payment amount and loan term are satisfactory for your budget the last step is to close the loan. Our mortgage loan expert will set a date that is convenient for you and the seller to meet so that you can take ownership of your new home. Both parties will meet to finalize all paperwork and minor details and then you can take the keys to your new home.

1Express Mortgage loans are available for first mortgage single family homes used as a primary residence. This product is available for purchase, refinance or home improvement loans.  In-House Centennial bank refinance requires a minimum of $20,000 in new additional money.