Loans


AGRICULTURAL AND BUSINESS LINES OF CREDIT

LENDING DESIGNED BY FARMERS FOR FARMERS
THREE GENERATIONS OF FARM FAMILIES DO BUSINESS WITH COMMUNITY BANK

  • Experienced, local commercial lenders to assist you.
  • Competitive rates.
  • Quick, local decision-making with experienced Ag and Commercial Bankers.

Agriculture and Business Term Loans

AGRICULTURAL AND BUSINESS TERM LOANS

LOANS TO BUY THAT NEXT PIECE OF EQUIPMENT OR FARM GROUND

  • Experienced,  local commercial and ag bankers assist you.
  • Competitive fixed and variable rates
  • Quick local decision-making with experienced lenders.


SBA/FSA LOANS

  • SBA and FSA  loans are available for a variety of needs including; start-ups, business acquisition, franchising, equipment, working capital, building/real estate, along with many other needs.
  • Experienced lenders assist you in obtaining long-term, fixed rate financing for major fixed assets, such as land and buildings, with loan-to-values as high as 90% of appraised value.
  • Competitive rates.
  • Quick, local decision-making and strong relationship with the SBA

    Click here to visit www.SBA.gov or www.FSA.gov


Loans & Mortgages

Consumer Loans

Financing available for:

  • » Automobiles
  • » Other personal items

Home Equity Loans

Consider this loan if you are:
  • » Remodeling or constructing an addition on your home
  • » Financing a major purchase like college tuition, automobiles or purchase of land
  • » Looking for additional tax deductions and have available equity (Check with your tax
    • consultant regarding the deductibility of the interest paid)

  • Borrow up to 100% of the value of your home
  • Long term fixed rate financing available
  • Competitive rates for loan to values up to 80%;80% to 90%; and greater than 90%
  • Deferred closing cost option available
  • Quick, local decision-making
  • Please call for our current rates

Home Equity Lines of Credit

Consider this loan if you are:
  • » Remodeling or constructing an addition on your home
  • » Financing a major purchase like college tuition, automobiles or purchase of land
  • » Looking for additional tax deductions and have available equity (Check with your tax consultant regarding the deductibility of the interest paid)
    • consultant regarding the deductibility of the interest paid)

  • Long term fixed rate financing available
  • Competitive rates for loan to values up to 80%;80% to 90%; and greater than 90%
  • Deferred closing cost option available
  • Quick, local decision-making
  • Please call for our current rates and our Home Equity Line of Credit Application.


Home Mortgage Loans

Community Bank Fixed Rate Loans

Consider this loan if you:
  • » Want security of knowing that your monthly payment will be the same over the life of the loan
  • » Plan on owning the home for a number of years
  • » Expect your income to remain steady over the life of the loan

 

  • Long term financing available
  • Originated, processed and closed by Community Bank
  • Following closing, loans are sold to a customer-service oriented mortgage company who then services the loan
  • 100% Financing available to qualifying borrowers (Mortgage Insurance required)
  • Taxes and insurance are normally escrowed and made part of the monthly payment
  • Please Call for our current rates


Community Bank Portfolio Loans

Consider this loan if you:
  • » Want the convenience of having a local lender initiate and service your mortgage loan
  • » Want a loan with lower closing costs and no origination fee
  • » Plan on owning the home only a few years
  • » Are able to budget and manage mortgage payments that may fluctuate with interest rate changes

 

  • Long Term Financing available
  • Interest rate changes are based on a financial index and are limited per change period as well as over the term of the loan.
  • Flexible terms and underwriting
  • Escrow of insurance and taxes are not required
  • Quick, local decision-making
  • Please call for our current rates and for our Residential Real Estate Application