Mortgage Loans

Are you looking to build or buy a new home? Are you wanting to refinance to take advantage of great rates that will save you both time and money? Have you been contemplating utilizing some of the equity in your current home? Is there a piece of vacant property that you've had your eye on? CBBC Bank's mortgage lending department will tailor a loan to meet your specific needs. Get pre-qualified to know your mortgage limit and have the funds initially approved before you even start house hunting.

For mortgage counseling, please click here.

Mortgage eSign Disclosure and Consent Sign Document.

Interested in one of our mortgage loans? **

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CBBC Bank Mortgage offers: 

Conventional loans- adhering to guidelines determined by Fannie Mae and Freddie Mac, conventional mortgage loans can have either an adjustable or fixed rate with terms. Conventional loans are not insured or guaranteed by the federal government.

FHA loans- This type of mortgage loan is insured by the Federal Housing Administration. The borrower is required to pay for mortgage insurance, but requirements can be a bit more flexible and interest rates more attractive than other types of loans.

USDA loans- USDA loans are offered to rural property owners by the US Department of Agriculture. Properties must be located in area designated by the USDA and income from all wage-earners is taken into account when you apply for the loan. 

VA loans- Guaranteed by the Department of Veterans Affairs, VA mortgage loans are designed for veterans and their spouses to borrow funds needed for a home without a down payment or private mortgage insurance.

Construction loans- If you are looking to start from scratch to build the home of your dreams, a construction loan may be what you are looking for. Usually the borrower will make interest only payments during home construction with funds released for payment to the builder at specified intervals. Once construction is complete, the loan can be converted into a conventional mortgage for repayment.

Home Equity Loans/ Lines of Credit- Home equity loans and lines of credit place a lien against the value you have built up in your home, similar to a standard mortgage, and loan amounts are determined by many factors, such as an appraisal of the property. Home equity loans have a one-time lump sum pay out, while home equity lines of credit allow you to pay back and re-borrow funds within the credit limit as many times as necessary throughout the life of the loan.

Mobile Home Loan- Financing for these loans can be just for the mobile home itself or can include both the home and land it will be placed on.

Vacant Land Loan- Available for both raw and improved land lots.

If you would like to contact one of our lenders directly, please see their contact information below.


Novella Jones

Chad Hicks

Rick Hudolin

Mortgage Dept

Main Office

Hwy. 411 South Branch

NMLS# 455291

NMLS# 773849

NMLS# 929685

(865) 379-2500

(865) 977-5978

(865) 380-1360



Julie Miller

Brent Musick

Perry Roberts

Foothills Branch

Townsend Branch

Midland Branch

NMLS# 417560

NMLS# 475447

NMLS# 773873

(865) 977-5970

(865) 380-1353

(865) 977-5950



Molly Miser

Meagan Byrd

Topside Branch

Heritage Branch

NMLS# 1837217

NMLS# 2517959

(865) 977-5980

(865) 977-5976




*All loans are subject to credit and underwriting approval. Certain fees and restrictions may apply or other terms and conditions may apply. 

**Emails will receive a lender response by the end of the following business day. 


Bank and Officer NMLS Listing