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Find the Best Loan for You


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

  • NEW! Ask about 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.

Now offering $5,000 First Time Home Buyer Grants!*

  • Awarded on a first come, first-served basis
  • Available to first-time home buyers only
  • Great with our CBT Community Mortgage loan with low down payment & no required mortgage insurance

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

Tina Hummel
  • See what your payments would be like - try our helpful mortgage calculators
  • 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.

Try Our Mortgage Calculators

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

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