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Loans

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Home Loans

Home Loans: Building Our Community, One Dream Home at a Time

From first-time buyers to seasoned investors, we’re here to help you find the perfect home loan solution. Together, we can make your home ownership dreams a reality.

Fixed-Rate Mortgages

  • Perfect for putting down roots
  • Enjoy the stability of a fixed rate throughout your loan term.
  • Borrow up to $xxx,xxx to find your perfect home.

Benefits

  • Choose from 10-, 15-, 20-, 25-, or 30-year terms to suit your family’s needs
  • Plan your future with confidence, knowing your payments will never change
  • Protect yourself from rising interest rates in our ever-changing market
  • Refinance options are available when rates drop, helping you save in the long run

Adjustable-Rate Mortgages (ARM)

  • Ideal for community members looking for payment flexibility early in their loan
  • Start with a lower introductory rate to ease into home ownership.
  • Borrow up to $xxx,xxx to begin your home ownership journey.

Benefits

  • Enjoy lower payments for the first 3, 5, or 7 years before transitioning to a fixed rate
  • Potentially afford more home or make a smaller down payment, perfect for young families
  • Rest easy with our rate cap, ensuring your payments never exceed a certain amount
  • Take advantage of market changes to potentially lower your rate and monthly payments

Jumbo & Super Jumbo Loans

  • For those ready to invest in premium properties
  • Purchase your dream home, a vacation getaway, or a local investment property.
  • Borrow up to $x million to secure your piece of our thriving community.

Benefits

  • Access loans above standard conforming limits
  • Invest in desirable neighborhoods and support our local real estate market
  • Enjoy competitive rates on larger loans, making your dream home more attainable
  • Flexible down payment options and potential to avoid Private Mortgage Insurance (PMI)

Residential Investment Loans

  • Build your investment portfolio
  • Choose from fixed- and adjustable-rate options to suit your investment strategy.
  • Borrow an amount that aligns with your investment goals.

Benefits

  • Financing based on the property’s potential rental income, making investing more accessible
  • Contribute to our community’s housing options by investing in local rental properties
  • Build a lasting investment portfolio that generates long-term income
  • Explore opportunities to renovate and improve local properties, enhancing our neighborhoods

At CB&T, we’re more than just a faceless lender – we’re your neighbors and partners in building our community. Our local experts understand the unique needs of our region and are here to guide you through every step of your home loan journey. 

Whether you’re a first-time buyer, looking to upgrade, or interested in investment properties, we’re here to help you find the perfect loan solution. Let’s sit down together and discuss how we can make your home ownership dreams a reality.

At CB&T, we’re more than just a faceless lender – we’re your neighbors and partners in building our community. Our local experts understand the unique needs of our region and are here to guide you through every step of your home loan journey. 

Whether you’re a first-time buyer, looking to upgrade, or interested in investment properties, we’re here to help you find the perfect loan solution. Let’s sit down together and discuss how we can make your home ownership dreams a reality.

Visit your local branch or give us a call today.

Let’s work together to build a stronger, more vibrant community – one home at a time.
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