At CB&S Bank, turning your dreams into a reality has never been easier. We offer some of the most competitive mortgage products available. Whether you are buying, building, or refinancing, CB&S Bank has a plan that will fit your needs. Our experienced mortgage team will work with you to make the process easy.
Home Loan Options:
- Fixed Rate Mortgages
- Adjustable Rate Mortgages
- Home Equity Loans
- Construction/Permanent Financing
- FHA/VA Mortgages
- Second Home Loans
Home Equity Lines of Credit
A home equity line from CB&S Bank can be an excellent way to make home improvements, buy a car, or make that dream vacation a reality. It's easy, just use the equity in your home and, in most cases, take advantage of important tax deductions. Please consult with a tax advisor regarding tax deductions. This variable rate, revolving line of credit is available starting at $10,000 and lets you borrow on the equity in your home. Funds can be used for a variety of purposes, and you can access your line with Home Equity Line Checks or a Home Equity Line Debit Card.
- Competitive Rates 
- No Annual Fee First Year 
- Easy Access to Funds
- No Closing Costs 
- Competitive Payment Options
- Possible Tax Savings 
*  4.49% intro annual percentage rate (APR) applies to new home equity line of credit (HELOC) for the first 12 billing cycles (although the first billing cycle may be shorter than normal) with a 70% or less loan-to-value and a credit score greater or equal to 750 (5.50% as of 4/3/19). No other discounts apply to the intro rate. After the intro period, all remaining balances will convert to the variable periodic rate and corresponding APR per the credit agreement, which is based on Wall Street Journal Prime rate plus a margin. Current rates vary from 5.50%-7.50% APR, and are subject to change. Maximum APR 18%. Minimum possible APR 5.00%.  After first year, customer pays annual fee of $50 per year.  No closing costs if HELOC amount is $100,000 or less and if a $10,000 advance is maintained for 90 days. Customer pays costs if HELOC is over $100,000 or initial $10,000 advance is not maintained for 90 days, which can range from approximately $150-3,000, depending on loan amount. Property insurance required.  Please consult tax advisor regarding potential tax deductions. Limited time offer.
Types of Home Loans
There is a wide range of mortgage choices available for home purchases. Some offer monthly payments that are set for the life of the mortgage, while others feature smaller initial monthly payments that will fluctuate with interest rate changes. Your choice in financing will depend on your unique set of circumstances. Contact a CB&S Bank mortgage expert today to find out more information.
Use our calculators to help you make smart financial decisions and choose the Mortgage Loan option that best fits your needs. Visit one of our convenient locations or call us at 877-332-1710 to learn more.
CB&S Bank complies with the S.A.F.E. Act.