Mortgages

Buying a new home should be a pleasant experience. We’d like to help make it that way by taking the worry out of applying for a mortgage. Call us at 1-888-745-2265 to speak to one of our mortgage loan experts or contact us to request an application. Select a mortgage loan to fit your financial situation. Before you apply for your mortgage loan, you’ll need to decide which type of loan may be right for you.

  • Fixed-Rate Loans have a permanent rate and a set monthly principal and interest payment for the entire life of the loan. It’s easy to budget for this type of loan because your principal and interest payments will always be the same. The rate on a fixed-rate mortgage loan is generally higher than an adjustable rate mortgage.
  • Adjustable-Rate Loans usually start with lower interest rates than fixed rate loans. If you will be moving in a few years or if you think interest rates will be going down, you'll want to consider an adjustable rate since the initial monthly payments may be lower.
  • Lot Loans are fixed- or adjustable-rate loans that allow you to acquire your lot and hold it until you are ready to build.
  • Construction Loans 

Annual costs such as taxes, insurance and mortgage life insurance are not included but may be added to your monthly payments. Closing costs are normally paid in a lump sum at the time you take out the loan.

CLICK HERE to visit our Mortgage Center and complete your mortgage loan application online!

Is refinancing right for you? Often, it’s a good idea for you to consider refinancing whenever the current mortgage interest rate is more than one percentage point below your present mortgage interest rate. For more details, speak to one of our mortgage loan experts by calling 1-888-745-2265.

Home Secure Loans

As a homeowner, you most likely consider your home a haven, maybe even a castle. Did you ever dream that, in addition to providing a roof over your head, your home can provide money for any financial need-whether education, home improvement, a new car, an old debt, or a smart investment. With a Community Bank Home Secure Loan you’ll save money on our special low, locked-in interest rate that may be tax-deductible (consult your tax advisor). You’ll enjoy the convenience of affordable monthly payments over a fixed time period, and you can save even more by paying off higher interest obligations such as outstanding credit card balances. For more information, call us at 1-888-745-2265, visit the Community Bank office of your choice or contact us.

Home Equity Line of Credit

Having an option like our Home Equity Line allows you to enjoy lower interest rates and gives you an effortless way to access the money at anytime. Whenever you want or need money, just simply write one of your credit line checks and you'll have immediate access to your funds. You'll love the flexibility of our payment options, too. A Community Bank Home Equity Line of Credit gives you the power and resource to make your dreams reality. For more information, call us at 1-888-745-2265, visit the Community Bank office of your choice or contact us.