Home Loan Options

At CB&S Bank, turning your dreams into a reality has never been easier. We offer some of the most competitive mortgage products available. Whether you are buying, building, or refinancing, CB&S Bank has a plan that will fit your needs. Our experienced mortgage team will work with you to make the process easy.

Home Loan Options:

• Fixed Rate Mortgages
• Adjustable Rate Mortgages
• Home Equity Loans
• Construction/Permanent Financing
• VA Mortgages
• Second Home Loans
• Refinancing

Home Equity Lines of Credit

A home equity line from CB&S Bank can be an excellent way to make home improvements, buy a car, or make that dream vacation a reality. It's easy, just use the equity in your home and, in most cases, take advantage of important tax deductions. Please consult with a tax advisor regarding tax deductions. This variable rate, revolving line of credit is available starting at $10,000 and lets you borrow on the equity in your home. Funds can be used for a variety of purposes, and you can access your line with Home Equity Line Checks or a Home Equity Line Debit Card.

• Competitive Rates [1]
• No Annual Fee [2]
• Easy Access to Funds
• Low or No Closing Cost [3]
• Competitive Payment Options
• Possible Tax Savings [4]

[1] Current rates vary from Prime minus .25% - Prime plus 1.50%, currently 8.25% - 10.00% APR. These rates are variable and are subject to change. Maximum APR 18%. The minimum possible APR will be 5%. [2] No annual fee. [3] No closing costs if HELOC amount is $250,000 or less, initial $10,000 draw requirement is met and maintained for 90 days. Customer pays $500 closing costs if HELOC is over $250,000 and less than or equal to $500,000 and initial $10,000 is met and maintained for 90 days. If the draw requirement is not met the closing costs could range from approximately $150-$3,000 depending on loan amount and will be taken as a draw. Customer pays closing costs if HELOC is over $500,000. Property insurance required. Flood Insurance may be required. [4] Please consult tax advisor regarding potential tax deductions. Other restrictions may apply. Limited time offer.

Types of Home Loans

There is a wide range of mortgage choices available for home purchases. Some offer monthly payments that are set for the life of the mortgage, while others feature smaller initial monthly payments that will fluctuate with interest rate changes. Your choice in financing will depend on your unique set of circumstances. Contact a CB&S Bank mortgage expert today to find out more information.

Use our calculators to help you make smart financial decisions and choose the Mortgage Loan option that best fits your needs.  Visit one of our convenient locations or call us at 877-332-1710 to learn more.

CB&S Bank complies with the S.A.F.E. Act.