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Home Loans

Buy, Build, Refinance, Improve

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

Home Loan Rates Apply Now

Tab 1

Buy A Home
Tab 2

Build A Home
Tab 3

Refinance
Tab 4

Home Equity Loans & Lines of Credit
Tab 5

Home

Improvement Loans
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Homebuyer Resources

Mortgage

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 Learn More - Mortgage 101

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

**Varies by mortgage product

Refinance

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 Learn More - Mortgages 101

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 Learn More - Mortgages 101