A quaint neighborhood house

Real Estate Loans

At Community State Bank, we offer a variety of real estate loan options to help you achieve your homeownership dreams. Whether you're purchasing your first home, refinancing your current mortgage, or investing in a vacation property, our team (link to Team) is here to guide you every step of the way.
 
Our team is here to discuss your home loan options and find the best solution for your needs. 
 
 
We provide a range of home loan options to suit your needs:
 
  • Purchase Loans: Finance your new home with competitive rates and flexible terms. Includes promotions for first-time home-buyers and seasonal, in-house offers.
  • Refinance Loans: Lower your interest rate or monthly payment by refinancing your existing mortgage.
  • Construction Loans: Build your dream home with our construction financing options.
  • Land Loans: Purchase land for future construction or investment.
  • Bridge Loans: Get short-term financing to bridge the gap between buying a new home and selling your current one.
With a Home Equity Loan, you can access the equity in your home without having to refinance your existing first mortgage. This means you can keep your current mortgage terms while obtaining additional funds through a separate loan at a more competitive rate than an unsecured loan.
 
  • Home Equity Term Loan: Receive a lump sum with a fixed interest rate and predictable monthly payments.
  • Home Equity Line of Credit:  Access funds as needed with a flexible line of credit secured by your home.

Take advantage of government-backed loan programs designed to support eligible homebuyers.

  • FHA Loans: A great option for first-time homebuyers or those with less-than-perfect credit. FHA loans feature low down payment requirements and flexible credit guidelines, backed by the Federal Housing Administration.
  • VA Loans: Exclusively for eligible veterans, active-duty service members, and surviving spouses. VA loans offer competitive rates, no down payment, and no private mortgage insurance (PMI), backed by the U.S. Department of Veterans Affairs.

Not sure which government loan is right for you? Our team is here to help you explore your options and find the best fit.

Explore unique financing solutions for non-traditional borrowers.

We understand that not every borrower fits the traditional mold. That’s why CSB, in partnership with A&D Mortgage, offers flexible loan options designed to meet a variety of unique financial situations:

  • ITIN Loans: For borrowers without a Social Security Number. Use your Individual Taxpayer Identification Number (ITIN) to qualify for a mortgage and achieve homeownership.
  • DSCR Loans (Debt Service Coverage Ratio): Ideal for real estate investors. These loans are based on the income generated by the property—not your personal income.
  • 12/24 Month Bank Statement Loans: Perfect for self-employed individuals. Qualify using your personal or business bank statements instead of tax returns.

These programs are backed by local service and personalized support—because at CSB, we’re committed to Finding Solutions Together.

Invest in your dream vacation home or a second property with our tailored loan options. Enjoy competitive rates and personalized service to make your getaway a reality.





Loan Calculators

These financial calculators are here to help you plan for your future. By giving you a clearer picture of your financial journey, these tools allow you to make informed decisions and stay on track for your long-term objectives. Explore our full range of calculators, and don’t hesitate to contact our team if you need help navigating any of them.