CBBC Bank Mortgage Options
Conventional Loans
Our conventional loans, which align with Fannie Mae and Freddie Mac guidelines, offer both adjustable and fixed-rate options with various terms to fit your needs. Unlike government-backed loans, conventional mortgages are not insured or guaranteed by the federal government, providing you with greater flexibility.
FHA Loans
For borrowers seeking a more accessible path to homeownership, FHA loans, insured by the Federal Housing Administration, are an excellent choice. These loans come with the benefit of more flexible qualification requirements and often more competitive interest rates, though mortgage insurance is required.
USDA Loans
If you're looking to purchase property in a rural area, our USDA loans, backed by the U.S. Department of Agriculture, are tailored for you. These loans require that the property be in a USDA-designated area, and they consider the combined income of all wage-earners in your household during the application process.
VA Loans
Designed specifically for veterans and their families, our VA loans, guaranteed by the Department of Veterans Affairs, offer a unique advantage—eligible borrowers can obtain a home loan without the need for a down payment or private mortgage insurance.
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We also have other types of Mortgage Loans!
Construction Loans
For those planning to build their dream home from the ground up, our construction loans provide the necessary funds to get started. During the construction phase, you’ll only need to make interest payments, with funds disbursed to your builder at predetermined stages. Once your home is complete, the loan can be easily converted into a conventional mortgage for long-term repayment.
Home Equity Loans / Lines of Credit
Tap into the equity you’ve built in your home with our Home Equity Loans or Lines of Credit. These options allow you to leverage the value of your home, whether you need a one-time lump sum or ongoing access to funds within your credit limit. Loan amounts are determined by factors like property appraisal, giving you flexibility to use your home’s equity as needed.
Mobile Home Loans
Whether you’re financing just the mobile home or both the home and the land it will sit on, our mobile home loans offer the flexibility to meet your specific needs.
Vacant Land Loans
Looking to invest in land? Our vacant land loans are available for both raw and improved lots, giving you the foundation to build or develop your property as you see fit.
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