The Next Chapter for CBT

Community Bank & Trust is set to join BankIowa. See what to expect ahead of the anticipated 2027 transition.

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Find the Best Loan for You

APPLY NOW

When it comes to buying a house, you have a lot of loan options. The trouble is, some lenders won't always tell you about all of the opportunities out there because, frankly, some choices require a lot of work. 

But at Community Bank & Trust, we will happily walk you through the maze of products and programs so that you find the best loan for you. Apply today and we'll roll up our sleeves to find your custom solution.

We specialize in:

  • First-time homebuyer financing
  • FHA
  • VA loans
  • Adjustable and fixed rate loans
  • Construction loans
  • In-house and alternative loan programs
  • Jumbo and bridge loans
  • Prequalification on loans

Not quite ready for financing, but want to start saving for your first home?  Click here to learn more about CBT's First-Time Home Buyer Savings Account. Down payment assistance is available to eligible homeowners through the Journey to Homeownership program, in partnership with the Neighborhood Finance Corporation. 

Mortgage Checklist

Bringing the following documents to your meeting with a mortgage lender can help streamline the process and prevent unnecessary delays.

Required documents:

  • Valid, government-issued photo ID (such as a driver's license or passport)
  • W2 from the past 2 years
  • Federal tax returns from the past two years
  • Most recent pay stub
  • Bank statement and/or retirement statement from the last 2 months

Additional documents for purchase transactions:

  • Earnest Money Check - cancelled check copy
  • Signed purchase agreement, including any addendums
  • Gift Letter and Documentation (if applicable)

If applicable:

  • HOA billing statement
  • Current homeowner's insurance statement for any properties you own
  • Mortgage statement for all properties you own 
  • Year-to-date profit and loss statement for self-employed borrowers
  • Any additional documents requested by your lender 

Questions?

All loans subject to credit approval. Terms and conditions apply. Contact us for current rates and complete terms.