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Full-Service Mortgage Lending. Personalized, Start to Finish.
At CS Bank, we know buying or refinancing a home is one of the biggest decisions you'll ever make, and we're here to make it easier, clearer, and more personal from day one.
Unlike many other community banks, CS Bank offers a full-service mortgage division, complete with local lenders, in-house processing, and a wide range of home loan options. That means you get the resource and expertise of a big lender, backed by the service and care only a community bank can provide.
Our Mortgage Options Include:
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Conventional Fixed-Rate Mortgages
A home you love deserves a payment you can count on.
With a conventional fixed-rate mortgage, your interest rate and monthly payment stay predictable, no surprises, just stability. We'll help you find the right term and rate to fit your budget and your future.
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Adjustable-Rate Mortgages (ARM)
An adjustable-rate mortgage gives you room to move, literally and financially! With lower initial interest rates, you can enjoy affordable payments while you settle in. When the time is right, you have the flexibility to adjust or refinance as your needs change.
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FHA Loans
Buying your first home or working on building credit? FHA loans offer flexible qualification requirements and lower down payment options, making homeownership more accessible. We'll guide you through the process and help you take that important first step toward your own home.
Construction Loans
Your vision deserves a strong foundation, starting with your financing. Our construction loans give you the flexibility and support you need to bring your plans to life. We'll guide you through the process so you can focus on creating the home you've always wanted!
Jumbo Loans
Some home simply need more room, both inside and in their financing. Our jumbo loans are designed for high-value properties with lending solutions that fit your unique needs. Let us help you make a confident move toward the exceptional home you deserve!
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VA Loans
You've served our country, now let us serve you!
VA Loans at CS Bank offer powerful benefits like no down payment, no private mortgage insurance, and flexible credit requirements. We'll walk you through every step, so you can focus on finding the perfect place to call home!
Rural Development
A quiet lifestyle doesn't have to mean complicated financing. Rural development loans offer affordable options for eligible areas, helping you buy a home with confidence!
Reverse Mortgage
Turn the equity in your home into a reliable source of income with a reverse mortgage. Enjoy financial flexibility while staying in the place you love!
Mortgage Refinance
Looking to save money or pay off your home faster? A mortgage refinance can help you take control of your loan and unlock new financial possibilities!
HELOC
Tap into your home's equity to access funds when you need them with a Home Equity Line of Credit.
Use it for renovations, debt consolidation, or unexpected expenses, all on your terms!
Ready to Get Started?
Apply online today, visit your nearest CS Bank office, or contact us by filling out the form below!
You Have Questions?
We've Got Answers!
How long does it take to get pre-approved?
At CS Bank, pre-approved usually takes less than 24 hours! That's right, know if you're pre-approved in less than a day!
What does it mean to be a full-service mortgage division?
As a full-service mortgage division, your mortgage needs stay under one roof... yep, every part of your mortgage loan is processed in house prior to closing!