Mortgage Loans
You will feel like we created a product tailored to suit your individual needs with the mortgage loan you choose from our wide array of mortgage selections. Listed below are just some of our products and services associated with our mortgage product line.
Adjustable Rate Mortgage Products
2 Year Fixed Rate Adjustable Mortgage
- Up to 30 year term
- Annual Percentage Rate can adjust up to 1.00% per year after 2nd year
- Index Wall Street Journal Prime
- Primary resident only
5 Year Fixed Rate Adjustable Mortgage
- Up to 30 year term
- Annual Percentage Rate can adjust up to 1.00% per year after 5th year
- Index Wall Street Journal Prime
- Primary residence only
Click here to open our adjustable rate mortgage calculator.
Fixed Rate Mortgage Products
10 Year Fixed Rate Mortgage
- Primary residence only
- Minimum amount $10,000.00
15 Year Fixed Rate Mortgage
- Primary residence only
- Minimum amount $10,000.00
20 Year Fixed Rate Mortgage
- Primary residence only
- Minimum amount $40,000.00
30 Year Fixed Rate Mortgage
- Primary residence only
- Minimum amount $40,000.00
*** .15% discount when payment will draft from a Community State Bank checking or savings account ***
Click here to open our fixed rate mortgage calculator.
Residential Mortgage Fees
- Application fee - $150.00
- Documentation fee - $200.00
- Mortgage Modification fee - $425.00
- Appraisal fee - Varies by appraiser and loan type
Home Equity Lines of Credit
- 5 year draw period
- 10 year payback
- 15 year total based on Wall Street Journal Prime (WSJP)
- Floor Annual Percentage Rate - none
- Ceiling Annual Percentage Rate - 12.00%
- Low Introductory Rate
Home Improvement Loans
(mortgage required)
*** .15% discount when payment will be drafting from a Community State Bank checking or savings account ***
Call or stop in and see one of our Customer Service Officers for more details or a "Truth in Lending Disclosure".
