Save on the Cost of Getting There
We’re Taking Up to $125 Off Origination Fees on Qualifying Mortgages and Loans*
Buying a home, building something new, refinancing your mortgage, or making improvements to the home you already love? Whatever your next step looks like, Community State Bank is here to help you find the financing that fits your goals.
For a limited time, you can save up to $125 on origination fees for qualifying mortgages and home equity products when you establish automatic payments from a Community State Bank deposit account.
It’s one less upfront expense as you work toward what’s next.
Buying a Home or Building Your Future?
Find the financing that fits your plans.
Whether you’re purchasing your first home, moving into a new one, or building from the ground up, the right mortgage can help you take that next step with confidence.
Community State Bank offers mortgage options for qualifying home purchases and construction projects. Our local mortgage team can help you understand your options, compare terms, and navigate the process along the way.
With this promotion, qualifying first mortgages and construction/permanent loans may receive up to $125 off the applicable origination fee when automatic payments are established from a CSB deposit account.
If you’re planning to buy or build, let’s talk about your goals and explore your options.
Refinancing or Making Improvements?
Your next chapter may start with the home you already have.
Maybe you’re considering refinancing your current mortgage. Perhaps you’re planning a renovation, making room for your family, or looking for ways to use the equity you’ve built in your home.
Depending on your needs, a mortgage refinance, home equity loan, or home equity line of credit (HELOC) may be worth exploring.
A home equity loan typically provides a lump sum, while a HELOC offers access to a revolving line of credit. Both use your home as collateral. Refinancing replaces your existing mortgage with a new one, so it’s important to compare the terms and costs before deciding.
Qualifying home equity loans and lines of credit, as well as eligible refinances, may receive up to $125 off the applicable origination fee through this promotion.
Our mortgage team can help you understand the differences and determine which options may fit your financial goals.
A Little Savings. A More Personal Experience.
Local guidance for an important financial decision.
Mortgage decisions involve more than interest rates and monthly payments. You also want to understand the fees, terms, and options available to you.
At Community State Bank, our mortgage team takes the time to answer your questions and help you understand the choices in front of you. We’re here to make the process easier to navigate, from your first conversation through closing.
To qualify for the origination fee savings, automatic payments must be established from a Community State Bank deposit account. Both new and existing deposit customers may qualify, and any new deposit account must be open and funded before closing.
Some qualifying loans may also be eligible for an additional rate discount, subject to the applicable terms.
Let’s talk about your plans and see where CSB can help.
Frequently Asked Questions:
How can I save up to $125 on mortgage or home equity origination fees?
You may qualify for an up to $125 reduction in the applicable origination fee on an eligible mortgage or home equity product when you establish automatic payments from a Community State Bank deposit account. Program requirements and exclusions apply.
Do I have to be an existing Community State Bank customer?
No. Both new and existing deposit customers may qualify. If you need to open a new CSB deposit account, it must be open and funded before your loan closes.
How do I set up automatic payments?
The required automatic payment authorization must be completed at closing.
Your mortgage lender can explain the requirements for your specific loan.
Do home equity loans and HELOCs qualify?
Yes. Qualifying home equity loans and home equity lines of credit in first or second lien position may qualify for the $125 origination fee reduction (HELOAN) or $100 off borrower paid closing cost (HELOC) when the required automatic payment arrangements are established.
When does the promotion end?
The promotion is available for a limited time and may be modified or discontinued by Community State Bank at any time without notice. Contact a mortgage lender for current availability.
Let’s Make Your Next Move a Little Easier.
Whether you’re buying, building, refinancing, or exploring ways to use your home’s equity, our team is ready to help you understand your options.
Connect with a Community State Bank mortgage lender to discuss your plans and learn more about this offer.
*Subject to credit approval. Terms and conditions apply. Offer available for a limited time and may be discontinued or modified by Community State Bank at any time without notice. Offer applies to qualifying consumer mortgage loans and home equity products, including first mortgages, construction/permanent loans, home equity loans, and home equity lines of credit. Qualifying loans receive $125 off the applicable origination fee (1st mortgage, construction/perm loan, HELOAN) or $100 off borrower paid closing cost (HELOC) when automatic payments are established from a Community State Bank deposit account. A CSB automatic payment authorization form must be signed at closing. New deposit accounts must be opened and funded prior to closing to qualify. Offer excludes secondary market brokered loans that do not close in the name of Community State Bank. Offer is available to new and existing CSB deposit customers. This offer may be combined with applicable rate discounts where permitted. Other fees and costs may apply, including third-party and government fees. The origination fee discount does not reduce interest charges or other applicable fees. Rates, terms, fees, and availability are subject to change without notice and may vary based on creditworthiness, collateral, loan amount, loan structure, and other factors. Not all applicants will qualify. Additional terms and conditions may apply.