Personal
Home Loans
Buy, Build, Refinance, Improve
A local expert will walk you through every step of the process for your home loan.
- Tab 1
Buy A Home
- Tab 2
Build A Home
- Tab 3
Refinance
- Tab 4
Home Equity Loans & Lines of Credit
- Tab 5
Home
Improvement Loans
- Tab 6
Prevent Unsolicited Communications
Mortgage
A choice of fixed or variable rate mortgage loans include:
- Owner-occupied 1 to 4 family residential loans
- Second mortgage on owner-occupied 1 to 4 family residence
- Land and mobile home (with permanent foundation) combination loans
Bridge Loans
Selling your house and buying your next home? Use the equity in your current home to purchase your new home.
Manufactured Home Loans
Let CSB help you purchase your permanent-foundation, manufactured home.
Construction Loans
During the construction period, you benefit from:
- Competitive interest rates
- Interest only payments for up to 9 months
- Up to 5 draws
- Extended construction period on certain products for custom builds
Features & Benefits
One-time Closing Process = One Set of Closing Fees
Rate Lock at Time of Application** = Reduces the Risk of Rising Rates
Fixed or Adjustable Rates Available = Choose the Mortgage Product that Suits You Best
Up to 30 Year Payment Terms = Match Your Payment to Your Budget
Land Purchase Can Be Included in Loan = One Transactions vs Three
Land Loans
You’ve found the perfect lot on which to build your home. Now what? CSB can help you purchase the land with a loan for the piece of property.
**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. Contact your Local Expert to learn more about how refinancing your mortgage could help you!
Rates Refinance Savings Calculator Learn More - Mortgages 101
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.
Home Improvement Loans
Whether you need to add a room, redecorate, build a new deck, or put in a new driveway, let us help make your plans a reality.
How to Prevent Unsolicited Communications Before the Home Buying Process
What is a Mortgage Trigger Lead?
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.
Let CSB handle the details.
Speak with a local expert.
Ask your local expert! Learn More - Mortgage 101
