The Per fect T ime To Bu y

With low mortgage rates, there has never been a better time to buy a home.

Owning

 Building equity

 Value of home may increase over time

 Stable monthly mortgage costs*

 Mortgage interest and real estate taxes may be tax deductible**

 Feeling of stability and permanency

 More privacy

 Freedom to live by your own rules

 Adapt home to fit personal needs Call

Renting

 Renter does not gain equity

 An increase in the value of rental property may lead to higher rent

 Rent payments can increase each year

 No mortgage interest or real estate taxes are paid directly by the renter, so renter may not take deductions

 Leases to be renewed, depending on landlord

 Close neighbors, landlord intrusion

 Must live by landlord rules

 Must negotiate any changes with landlord

Centennial Bank has many kinds of mortgages available. With the advantage of a variety of mortgages, I can provide my customers the mortgage that will best fit their needs. Centennial Bank can provide financing for your purchase that includes, but not limited to conventional, FHA/VA, assist bond, first time home buyer programs, fixed, and adjustable rates.