Buy A Home
Build A Home
Home Equity Loans & Lines of Credit
- 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
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.
- 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
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.
*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
Home Equity Loan
Home Equity Line of Credit