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Available for down payment or closing cost assistance 

Community Bank & Trust has partnered with the Federal Home Loan Bank of Des Moines to offer Home$tart® grants to be used for down payment or closing cost assistance to qualified home buyers!

The CBT Home$tart® grants are:*

  • Awarded on a first come, first-served basis.
  • Available to first-time home buyers only.
  • Eligible for use on fixed rate and adjustable rate mortgage (ARM) products.
  • Great with our CBT Community Mortgage - low down payment & no required mortgage insurance

*Do not need to be a CBT client. However, you must obtain mortgage with CBT to qualify. Household income must meet qualifications. Grant approval by FHLB Des Moines. MEMBER FDIC EQUAL HOUSING LENDER

As a client of Community Bank & Trust, you can expect:

  • Our Community Mortgage** Loan
    • Low Down Payment
    • No Required Mortgage Insurance
    • Low Minimum Credit Score
    • Fixed Rate
  • Conventional Loans
  • VA Loans
  • FHA Loans
  • Rural Development Loans
  • 1st Time Home Buyer Options
  • Construction Loan Financing
  • Refinance Options
  • Bi-weekly repayment plans
  • FREE pre-qualification loan process

**Restrictions Apply. Additional Qualifications Required.

Tina Hummel

Try Our Mortgage Calculators

  • Mortgage Comparison: 15 Years vs. 30 Years
  • Mortgage Payoff
  • Mortgage Qualifier
  • Mortgage Refinance Break Even
  • Rent vs. Buy

Do you know your Credit Score? CBT offers free 24/7 access to your score with Credit Sense - available through online banking and our mobile app.

If you've started to look for a home and are unsure how much you can afford, getting pre-qualified can give you an idea of your buying power.

For today's rates or any questions regarding refinancing and mortgage options, please contact Tina at 319-433-4991.