Happy 4th of July! In observance of Independence Day, Central Bank will not be open on Friday, July 4 and Saturday, July 5, 2025.
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Shopping for a mortgage can be one of the most important (and sometimes overwhelming) parts of buying a home. But with some careful planning and these free tools from Central Bank, you can make the process much easier—so you can find the right home and the right loan.
One of the best ways to set yourself up for success when mortgage-shopping is to understand your credit score. This score plays a big role in determining the interest rate you’ll get and what type of loan you’ll qualify for.
Checking your credit score early can give you time to correct any errors and improve your score if needed. Central Bank’s free Credit Score tool is a great place to start. It lets you see your current score and provides tips to help you boost it. To use Credit Score, log in to your Central Bank mobile app or online banking.
If you think you can’t afford the kind of home you want, you might be pleasantly surprised. To get an idea of what’s possible, use our easy mortgage calculator. It lets you customize different loan amounts, interest rates, down payments and more to help you choose the mortgage that suits all your needs.
Once you know where your credit stands, it’s time to explore your mortgage options. Keep in mind that there’s more to a home loan than a monthly payment. It’s all about finding the right fit for your budget, goals and lifestyle.
For example, would you prefer a fixed-rate mortgage, which offers stability, or an adjustable-rate mortgage, which might save you money in the short term? What loan term—15, 20 or 30 years—works best for you? Do you qualify for a specialty loan, such as a VA loan?
Central Bank’s Quick Quote tool makes comparing these options easy. You can see what your estimated monthly payments might look like based on different loan amounts, types and terms. This can help you understand what’s realistic and comfortable for your budget so you’re not caught off guard later.
Another smart move is to get pre-qualified for a mortgage before you start seriously shopping for a home. Pre-qualification involves submitting some financial information so your lender can verify how much you’re pre-qualified to borrow.
With a pre-qualification letter in hand, you’ll be seen as a serious buyer. That can give you an edge over other buyers and help your offer stand out to sellers. Start here to get pre-qualified for a Central Bank mortgage.
At Central Bank, we’re committed to helping you find the right mortgage and making the process as smooth as possible. We’re here to guide you every step of the way.
Ready to get started? Visit our mortgage hub to learn more about your options, explore our tools and start your journey to homeownership with confidence. Or stop by your local branch to speak with one of our friendly loan officers face-to-face.