Community BT Community BT

Skip to Content

Find the Best Loan for You


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

  • Our Community Mortgage1 Loan
    • Low down payment as little as 3.00%2
    • Great low-fixed rate options with no mortgage insurance (PMI)  
      • PMI is the insurance financial institutions traditionally require you to pay if you don’t have a 20% down payment.
    • For refinance and purchase
    • Loan stays with CBT
  • 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

1 The loan information is an overview. Please contact our CRA Mortgage Lender to discuss all the details and guidelines of our Community Mortgage Program and down payment/closing costs grants offered. Interest rates and program guidelines are subject to change at any time. All applications are subject to credit approval.

2 Grant(s) for down payment and/or closing cost assistance vary by household income, household size and geographic location.  Maximum income guidelines apply.  Minimum credit score of 650. 

Tina Hummel Small

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.