Personal

Home Loans

Buy, Build, Refinance, Improve

A local expert will walk you through every

step of the process for your home loan. 

Mortgage Lender Team Photo

Image of Joanne Wheeler helping a customerMortgage

A choice of fixed or variable rate mortgage loans include:
  • Owner-occupied 1 to 4 family residential loans
  • Second mortgage on owner-occupied 1 to 4 family residence
  • Land and mobile home (with permanent foundation) combination loans

Bridge Loans

Selling your house and buying your next home? Use the equity in your current home to purchase your new home.

Manufactured Home Loans

Let CSB help you purchase your permanent-foundation, manufactured home.

 

Rates   Calculators

Family in front of new construction home image.

Construction Loans*

During the construction period, you benefit from:
  • Competitive interest rates
  • Interest only payments for up to 9 months
  • Up to 5 draws
  • Extended construction period on certain products for custom builds

Features & Benefits

One-time Closing Process = One Set of Closing Fees   
Rate Lock at Time of Application** = Reduces the Risk of Rising Rates
Fixed or Adjustable Rates Available = Choose the Mortgage Product that Suits You Best
Up to 30 Year Payment Terms = Match Your Payment to Your Budget
Land Purchase Can Be Included in Loan = One Transactions vs Three
 
Land Loans

You’ve found the perfect lot on which to build your home. Now what? CSB can help you purchase the land with a loan for the piece of property.

 

Calculators

 

*Offer available on first mortgage single family construction, owner occupied residential loans up to 90% loan to value (LTV). Construction term of 9 months unless extended for custom build on certain products with CSB’s express prior authorization Principal and interest payments start upon the earlier of completion of construction or 9 months. Borrowers are charged interest on funds as they are drawn to build during construction. Normal construction loans fees apply for a one-time closing process. Permanent financing at the end of the construction can be fixed or variable rate depending on the loan product chosen. Rate lock date depends on product chosen and may be after the date of application. Typical example: A $200,000 construction price with a 20% down payment results in a $160,000 loan and a construction period Annual Percentage Rate (APR) of 3.379%. This would require an average interest payment of $219.24 per month during the draw period. After the construction period, the 30 year fixed rate permanent financing based on an APR of 3.379% would result in a monthly principal and interest payment of $696.33. Taxes and insurance not included, your actual payment obligation may be higher (APRs are accurate as of 9-30-20) All loans are subject to CSB underwriting guidelines. Homeowners insurance required and flood insurance where necessary. Escrow may be required. Escrow is required when property is located in a flood zone. Rates, program terms, and conditions are subject to change without notice.

**Varies by mortgage product

Image of people looking at a formRefinance 

 

Refinancing  your mortgage with a lower interest rate could shave years off your loan or even potentially lower your monthly mortgage payment. Contact your Local Expert to learn more about how refinancing your mortgage could help you!

 

 

Rates

Refinance Savings Calculator

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Home Equity Loan 

Use the equity in your home as collateral for a one-time lump sum that is paid off over a set amount of time, with a fixed interest rate, and the same payment each month. There is no additional draw feature with a Home Equity Loan. 
 

Home Equity Line of Credit

The equity in your home is used to secure a personal revolving line of credit. You can conveniently access your loan account simply by writing a check, or transferring money into your checking account using online or mobile banking. 

 

Rates

Calculators

Image of a carpenter.  Home Improvement Loans

 

Whether you need to add a room, redecorate, build a new deck, or put in a new driveway, let us help make your plans a reality.

 

Rates

Calculators

Image of a couple looking at cell phoneHomebuyer Resources to Help Make Buying Easier

 
Need some extra information before you get started?
 
 

Let CSB handle the details.

Speak with a local expert.

Ask your local expert!

 
 

Apply for a loan.

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