Happy Mortgage a Division of Centennial Bank
Happy Mortgage Affinity Program
Qualified borrowers can receive $1,025 in lender credit applied toward origination charges. This
credit must be applied prior to other credits.
Full-time and licensed or certified employee providing nursing at a: Public or private hospital
or public or private practice clinic, Contract nursing, i.e., travel nursing care or home health
nurse. Examples of Full-time employees include: Registered Nurse, Licensed Practical Nurse, Nurse
Practitioner, Nurse Anesthetist, Nurse Manager, Physician Assistant, Nursing Assistant (CNA).
Exclusions: temporary employees, part-time employees and volunteers.
Emergency Medical Services
Full-time employees serving in federal, state or local government emergency medical department or a
private EMS department. Eligible workers include: emergency medical technician, licensed paramedic,
emergency care attendant, and administrative employees.
Exclusions: Temporary employees, contract employees, part-time employees, and volunteers.
Full-time employees serving in federal, state or local government firefighting agencies. Examples of
eligible workers include: firefighter, fire educator, fire trainer, fire inspector, arson investigator, fire
administrator, and administrative employees.
Exclusions: Temporary employees, contract employees, part-time employees and volunteers.
Full-time law enforcement employees serving in local, state or federal agencies. This includes police
officers, state troopers, deputies, dispatchers, probation officers, detectives, administrative staff, inspectors, etc.
Exclusions: Temporary employees, contract employees, part-time employees.
Full-time public school district employees and full-time state or federal accredited private/
charter school employees are eligible — including teacher, nurse, librarian, guidance counselor,
janitor, cafeteria staff, teacher’s aide or administrative employees.
Exclusions: substitute or temporary employees or academic levels beyond high school.
Eligible Borrowers to receive a lender credit equivalent to our Processing and Underwriting fees. Lender
credit to be applied by Secondary Market upon processing and underwriting receipt and review of
written verification of employment. Available to those Eligible Borrowers who satisfy one of the above
criteria and who submit a mortgage application to Happy State Bank, a division of Centennial Bank
Mortgage Loan Originator, after 1/1/23 and prior to 12/31/23. Employment will be verified through
written verification of employment completed within 30 days of underwriting approval. Eligible property
is the primary residence for the premises being purchased or refinanced upon closing. Affinity programs
can only be combined with the First Time Homebuyer Education Course credit. All loans must meet
Happy State Bank, a division of Centennial Bank and/or Secondary Market lending guidelines and
additional restrictions may apply. All loans subject to credit and property approval.
30- and 15-year fixed options
3-1, 5-1, 7-1 and 10-1 Arm options
Primary, Vacation, and Investment home financing options
Construction and Renovation loan options
Lot loan financing options
All products herein are subject to credit and property approval. Program terms & Conditions including interest rates, annual percentage rates (APRs) and points or fees are subject to change without notice. Your APR will vary based on your final loan amount and applicable finance charges. Not all products are available in all states or for all amounts: consult your mortgage loan originator for additional details. There are no restrictions to the length of time since the medical professional has completed their residency. All loans subject to credit and property approval.*Restrictions apply, consult your mortgage loan originator for additional details.