Buy, Build, Refinance, Improve
A local expert will walk you through every step of the process for your home loan.
Home Equity Loans & Lines of Credit
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
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
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
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.
**Varies by mortgage product
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
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.
Homebuyer Resources to Help Make Buying Easier
Need some extra information before you get started?
Let CSB handle the details.
Speak with a local expert.
Sign up for Digital Banking.
Take control of your money.
Manage your accounts, transfer money, deposit checks, and more with CSB Online & Mobile Banking.