We Are Here to Help

The Centennial Lending team is acutely aware of the impact COVID-19 is having on our team, our partners, our customers, and our community. We want those who rely on us to know, we are continuously monitoring the evolving crisis and doing our best to respond accordingly. We remain committed to delivering innovative solutions and positive experiences as we manage the impacts of COVID-19.

Frequently Asked Questions


Borrowers affected by the COVID-19 crisis have a variety of options, including forbearance and modification. Please complete and submit our online contact form if you are unable to make your next mortgage payment. A Centennial Lending representative will contact you within two business days to discuss your specific situation.

Generally, you should apply for a forbearance of payment before the payment is due.  It takes 7-10 business days to evaluate and approve your forbearance request.  Centennial Lending understands we are dealing with extraordinary circumstances and will do everything within our power to assist you.

Your forbearance will take effect upon approval which generally takes between 7-10 business days from the time of application. Failure to submit your forbearance request in a timely manner may result in a delay in approval to the following payment due date.

While our phone system will continue to function normally, we recommend borrowers utilize our online contact form or email when contacting Centennial Lending. We take pride in not having an automated phone service. Generally speaking, borrowers calling during normal business hours are able to speak to someone immediately. Meeting this expectation will become more difficult as members of our team are working remotely. As indicated the phone system will continue to function, but it is more likely borrowers will be required to leave a message.

Additionally, we are asking borrowers to refrain from visiting our physical office unless absolutely necessary.

  • Like many businesses, Centennial Lending can carry out business remotely and we have begun limiting the number of on-site staff. During this time, you may continue contacting our team by phone, but we recommend utilizing email or our online contact form, both of which are most effective in communicating with remote team members.It is also important to note the onset of COVID-19 has coincided with extraordinarily low interest rates resulting in extremely high mortgage loan volume. The combination of these events may result in slower than usual response times. We thank you for your patience and appreciate your understanding as we endeavor to safeguard the health of our staff and our community.
  • Mortgage lending is dependent on a variety of third parties such as appraisers, home inspectors, and title companies. We will continue to monitor the impact of COVID-19 on these vendors to ensure we are setting, communicating, and meeting realistic expectations with borrowers.
  • We will continue to regularly update our website and online systems to maintain communication and keep borrowers informed. You may receive important information via email when warranted. Please check the website often and make time to read emails sent from Centennial Lending.

This should have little to no impact on existing loans as we will continue operating normally with team members on-site as well as working remotely. In some cases, you may experience slower response times, but we will continue to do everything we can to respond to your inquiries in a timely manner.

Again, we recommend utilizing our online contact form and/or email to ensure faster response times.

Our lending team is well equipped and has experience working remotely. While we believe this will allow us to conduct business as usual, we are also managing a record number of loan application stemming from historically low interest rates.

Additionally, the lending industry is dependent on a variety of third parties, such as title companies, appraisers, home inspectors, etc. The impact of COVID-19 on these third parties has the potential to impact your loan application. While we cannot directly control these impacts, we are working with our third-party partners to ensure every effort is made to complete your loan in a timely manner.

We also recognize the combination of these factors may result in slower response times and delayed closing dates. Rest assured Centennial Lending is doing everything in our power to ensure this is not the case.

We thank you for your patience and understanding as we endeavor to meet your needs while also safeguarding the health of our team and our community.

We value your business and recognize the challenges this crisis poses for our partners and borrowers. Please take care of yourselves and your families, and don’t hesitate to contact us via email or online contact form if you have questions or concerns.

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The service was excellent and responses were timely and accurate. Nice to do business with Centennial Lending.

Jared C.

Very professional and easy to work with. Great communicator and overly experienced.

Ramsey M.