Home Loans
Your home is more than a purchase. It's a milestone. Buying, building, or refinancing can feel overwhelming—but it doesn’t have to.
See our rates
Check out today's home loan rates and see how your options compare.
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Home Financing That Feels Personal
At CSB, you’ll get more than a mortgage—you’ll get real people, ready to help. With local decisions, flexible options, and personalized support, we’ll guide you from start to close.
Your Loan, Step by Step
We simplify the home loan process— whether you're buying, building, or refinancing, our local team will guide you through every stage. From your first conversation to your final signature— you'll always know what to expect, what's needed, and who to contact.
Here’s what to expect when you work with us:
1. Pre-Qualification
Know what you can afford—no fees or obligations.
2. Apply
We’ll walk you through everything you need to move forward.
3. Close
We coordinate the details so closing is smooth and on time.
Wherever You’re Headed, We’ve Got a Loan That Fits
Buying your first place, building your dream home, refinancing for a better rate, or using your equity to take the next step—our home loan options are designed to move with you.
Buy A Home
Find the right mortgage for your next move—whether you're buying your first home, upgrading, or relocating. We offer fixed and variable rate options tailored to your goals.
Available loan types include:
- Owner-occupied 1–4 family residential properties
- Second mortgages on owner-occupied 1–4 family residences
- Land and manufactured home combination loans (with permanent foundation)
Buying before you sell? Use the equity in your current home to purchase your new one with short-term financing that helps bridge the gap.
We offer financing options for manufactured homes on permanent foundations—making homeownership more accessible than ever.
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Build a Home
From custom builds to ground-up projects, CSB’s construction loans give you the flexibility to build with confidence.
Construction Loans
- One set of closing fees
- Rate lock at time of application*
- Choice of fixed or adjustable rate
- Customizable payment options
- Combine land purchase, build, and permanent financing
Land Loans
Found the perfect lot but not ready to build just yet? We can help you finance the land purchase so you're ready when the time is right.
Found the perfect lot but not ready to build just yet? We can help you finance the land purchase so you're ready when the time is right.
*Varies by mortgage product
REFINANCE
Refinancing your mortgage with a lower interest rate could shave years off your loan or even potentially lower your monthly mortgage payment.
HOME EQUITY LOANS & LINES OF CREDIT
Home Equity Loan
Use the equity in your home as collateral for a one-time lump sum that is paid off over a set amount of time, with a fixed interest rate, and the same payment each month. There is no additional draw feature with a Home Equity Loan.
Home Equity Line of Credit
The equity in your home is used to secure a personal revolving line of credit. You can conveniently access your loan account simply by writing a check or transferring money into your checking account using online or mobile banking.
Use the equity in your home as collateral for a one-time lump sum that is paid off over a set amount of time, with a fixed interest rate, and the same payment each month. There is no additional draw feature with a Home Equity Loan.
Home Equity Line of Credit
The equity in your home is used to secure a personal revolving line of credit. You can conveniently access your loan account simply by writing a check or transferring money into your checking account using online or mobile banking.
Let’s Get You Started
You don’t have to figure it out alone. Whether you're just exploring or ready to apply, we’re here to help.
Your Questions,
Answered.
Mortgages can feel complicated. That’s why we keep things clear, honest, and helpful. If you're wondering about something we haven’t covered, reach out—we’re happy to help.
Can I get pre-qualified before I find a house?
Yes—and we recommend it! A pre-qualification helps you understand what you can afford and shows sellers you’re serious. There’s no upfront cost and no commitment required.
What’s the difference between a Home Equity Loan and a HELOC?
A Home Equity Loan gives you a fixed-rate lump sum with predictable monthly payments.
A HELOC is a revolving line of credit—similar to a credit card—secured by your home’s value.
How does a construction loan work?
CSB construction loans offer interest-only payments during the build and allow up to 5 draws. We also offer extended terms for custom builds and one-time closing options to save time and money.
What is a mortgage trigger lead, and will CSB sell my information?
Mortgage Trigger Leads are a marketing tool used by some lenders to identify potential new customers.
How are Mortgage Trigger Leads identified?
- When you apply for a loan with a lender, such as The Commercial & Savings Bank (CSB), you give permission for the lender to pull your credit report from one or all the three major credit bureaus: TransUnion, Equifax, and Experian.
- In the process of pulling the credit report, the lender must provide a permissible purpose for requesting the report, such as a mortgage loan application.
- The credit bureaus use this information to prepare a list of applicants who have applied for a certain type of credit and sell the list to other lenders as trigger leads.
- Lenders must provide notices to the customer that include ways to Opt-Out of pre-screened solicitations, a statement a consumer report has been used, and verification the consumer meets credit criteria.
- Not providing this information subjects the lender to regulatory violations and such violations should be reported to the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/complaint/
It is important to know that CSB does not sell your information. The credit bureaus are selling the information, which is allowed under the Fair Credit Reporting Act (FCRA).
How can I prevent unsolicited communications?
While there is no guaranteed way to prevent all unwanted solicitations, there are steps you can take.
- Register on the national Do Not Call Registry: https://donotcall.gov or 1-888-382-1222
- Opt out of receiving pre-screened solicitations: https://optoutprescreen.com or 1-888-567-8688
These steps should be taken prior to completing an application. It may take up to two weeks for your request to be processed and enforced.
What documents will I need to apply?
It depends on your loan type, but most borrowers should have:
- Two years of W-2s or tax returns
- Recent pay stubs
- Bank or asset statements
We’ll walk you through exactly what’s needed for your loan.
Do you offer bridge loans?
Yes! A bridge loan lets you use the equity in your current home to buy your next one—before your old home sells. It’s a great option if timing is tight between buying and selling.
How are your mortgage rates set?
Rates change daily based on market conditions. Your specific rate depends on your credit, term, loan type, and more. You can view our rates or connect with a lender for a personalized quote.
More questions? Contact us
Call or text 330.674.9015.