Mortgage Loans
With all the different choices available, getting your mortgage with Community Bank makes good sense. Whether you are buying or building a new home, buying your lot or refinancing your existing mortgage, we can help. We offer experienced, local lenders, as well as local processing, underwriting and closing services. Answers to your questions are just a phone call away.
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Conventional
A fixed-rate mortgage features an interest rate that remains constant through the term of the loan. Monthly principal and interest payments never change.
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Construction Loan
A construction loan is a short-term loan used to finance the building or renovation of a home. Once construction is complete, the loan balance is refinanced into a permanent mortgage.
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Home Equity Loan
Sometimes called a second mortgage, a home equity loan allows you to borrow a lump sum to be paid back in monthly installments over specified periods. Most home equity loans have a fixed interest rate for the term of the loan.
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Home Equity Line of Credit
This option allows you to borrow against a given credit line as you need it. You can access your money by writing checks linked to the account. Interest accrues only on the amount you actually use.
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Contact one of our local lenders today!
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Justin Giefer
Mortgage Loan Officer
NMLS #815771
(507) 385-4452
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Andy Fischer
Mortgage Loan Officer
NMLS #921638
(507) 385-4492
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B en Hoffman Lending Officer NMLS #874039 (507) 385-2875
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 Amanda Davis Secondary Market Manager NMLS#815772 (507) 385-2884
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Personal Loans
Personal Loans can be used for just about anything - pay for school, credit cards, merchandise, or even vacation. We offer competitive rates and flexible financing options to make the lending process simple and convenient for you.
Apply for Personal Loan
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Vehicle Loans
- Competitive rates
- Flexible repayment terms for new and used vehicles
- Quick loan decisions made by friendly Community Bank lenders
- Financing is available up to 80% of retail value or 80% of book value (whichever is lower)
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Certificate of Deposit Secured Loans
- Borrow up to 100% of your CD balance
- Loan term is typically the same as the CD term
- Minimum loan amount $3,000
- A great way to utilize your Community Bank CD!
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Ready Reserve
Our fixed-rate Ready Reserve protects you from the expense of overdraft and returned check fees. This line of credit is advanced upon when a check presented for payment would result in an overdraft position. Advances are typically provided in $25 increments (e.g. if your account is overdrawn $77, your Ready Reserve advance will be $100 resulting in a checking account balance of $23). To obtain a Ready Reserve account, there is a $25 annual fee.
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