Home Loans

A local expert will walk you through every step of the process for your home loan. Equal Housing Lender Logo

CSB offers a wide variety of home loans to buy, build, or improve the home of your dreams, with competitive rates.

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Home Lending Products

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.



Image of people standing in front of home construction

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
  • One-time closing process
  • Rate locks in at time of application
  • Fixed or adjustable rates are available
  • Up to 30 year payment terms
  • Land purchase can be included in construction loan
  • One set of closing fees
  • Reduces the risk of rising rates
  • Choose the mortgage product that suits you best
  • Match your payment to your budget
  • One transaction 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.



*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 earlier completion of construction or 9 months. Buyers are charged interest on funds as they are drawn to build during construction. Normal construction loan fees apply for a one-time closing process. Typical example: A $200,000 construction price with 20% down payment results in a $160,000 loan and a construction period Annual Percentage Rate (APR) of 7.506%. This would require an average interest payment of $316.67 per month during the draw period. After the construction period, the 30 year fixed rate permanent financing based on an APR of 4.793% would result in a monthly principal and interest payment of $834.64. (APRs are accurate as of 3-18-2019). 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 flood zone. Rates, program terms, and conditions are subject to change without notice.

Image of people looking at a form Home Equity Loan or Second Mortgage

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. 

Home Improvement Loans

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



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Customized Loan Options

What kind of loan are you looking for? Let a CSB local expert find the perfect personal loan to suit your needs. Cars, trucks, boats, RVs, tractors, storage barns, and buggies... these are a few of our favorite things. Looking to build your credit—we can help there, too. Let a local expert walk you through every step of the way.



Let CSB handle the details.

Speak with a local expert.

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Apply for a loan.

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