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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.} 

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.