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At Community Bank, we believe financial opportunities should be within reach for every customer. Whether you’re buying a home, making improvements or funding a personal project, our special loan offerings can help you move forward with confidence.
Celebrate America’s 250th by creating a home you’ll be proud to gather in for years to come. From patio and deck upgrades to landscaping improvements and fresh paint, this limited-time offer makes it easy to finance the projects on your to-do list.
| TERM | INTEREST RATE | ANNUAL PERCENTAGE RATE (APR) | LOAN AMOUNT | NUMBER OF MONTHLY PAYMENTS | MONTHLY PAYMENT (Principal and Interest) |
|---|---|---|---|---|---|
TERM 60 Months | INTEREST RATE 7.990% | ANNUAL PERCENTAGE RATE (APR) 10.087% | LOAN AMOUNT $5,000 | NUMBER OF MONTHLY PAYMENTS 60 | MONTHLY PAYMENT (Principal and Interest) $106.45 (Final Payment $106.47) |
Offer applies to new money of $5,000 or less with a maximum term of 60 months. Minimum credit score of 700. Must own your home. To qualify for this offer, the payment must be auto-debited from a Community Bank transactional deposit account. Other rates and terms available. Loan rates are subject to change. Call for current terms and rates. This offer is not a credit decision or commitment to lend. Loans are subject to approval.
Ready to lock in your dream home? Take advantage of these special rates on a variety of terms.
| TERM | INTEREST RATE | ANNUAL PERCENTAGE RATE (APR) | LOAN AMOUNT | NUMBER OF MONTHLY PAYMENTS | MONTHLY PAYMENT (Principal and Interest) |
|---|---|---|---|---|---|
TERM 10 Years | INTEREST RATE 5.750% | ANNUAL PERCENTAGE RATE (APR) 5.897% | LOAN AMOUNT $150,000 | NUMBER OF MONTHLY PAYMENTS 120 | MONTHLY PAYMENT (Principal and Interest) $1,657.54 |
TERM 15 Years | INTEREST RATE 5.850% | ANNUAL PERCENTAGE RATE (APR) 5.955% | LOAN AMOUNT $150,000 | NUMBER OF MONTHLY PAYMENTS 180 | MONTHLY PAYMENT (Principal and Interest) $1,252.15 |
TERM 20 Years | INTEREST RATE 5.990% | ANNUAL PERCENTAGE RATE (APR) 6.075% | LOAN AMOUNT $150,000 | NUMBER OF MONTHLY PAYMENTS 240 | MONTHLY PAYMENT (Principal and Interest) $1,081.13 |
TERM 30 Years | INTEREST RATE 6.250% | ANNUAL PERCENTAGE RATE (APR) 6.316% | LOAN AMOUNT $150,000 | NUMBER OF MONTHLY PAYMENTS 360 | MONTHLY PAYMENT (Principal and Interest) $930.02 |
This is a limited-time mortgage loan offer and is subject to change without notice. Other rates and terms available. Call for current terms. Loans must meet secondary market standards and require taxes and insurance to be escrowed. A 20% down payment will be required based on the lesser of the purchase price or appraisal value. To qualify for this offer, the payment must be auto-debited from a Community Bank transactional deposit account. These estimated payments do not include taxes and insurance making the actual payment obligation greater. Property insurance is required. This offer is not a credit decision or commitment to lend. Loans are subject to approval.
Looking for lower monthly payments, or are you planning to move in 3-5 years? An ARM may be a great option for primary residences and double-wides or titled property with land specials.
| ADJUSTABLE RATE MORTGAGE LOANS | LOAN TERM | LOAN AMOUNT | INITIAL INTEREST RATE | ANNUAL PERCENTAGE RATE (APR) | INITIAL RATE PERIOD |
|---|---|---|---|---|---|
ADJUSTABLE RATE MORTGAGE LOANS 5/1* | LOAN TERM 30 Years | LOAN AMOUNT $150,000 | INITIAL INTEREST RATE 5.250% | ANNUAL PERCENTAGE RATE (APR) 6.296% | INITIAL RATE PERIOD 5 Years (60 Months) |
ADJUSTABLE RATE MORTGAGE LOANS 10/1** | LOAN TERM 30 Years | LOAN AMOUNT $150,000 | INITIAL INTEREST RATE 5.500% | ANNUAL PERCENTAGE RATE (APR) 6.056% | INITIAL RATE PERIOD 10 Years (120 Months) |
ARM loans are variable-rate loans; interest rates and payments may increase after consummation. These estimated payments do not include taxes and insurance, making the actual payment obligation greater. Property insurance is required. Loans require taxes and insurance to be escrowed. The Periodic Cap or the maximum your rate can increase or decrease in any single subsequent adjustment period is 2%. The Lifetime Cap or the maximum your rate can increase above your starting interest rate over the life of the loan is 6%. To qualify for this offer, the payment must be auto-debited from a Community Bank transactional deposit account. This offer is not a credit decision or commitment to lend. Loans are subject to approval. This offer is available only for a primary residence that is affixed to real property and owned by the borrower. Other rates and terms available. Call for current terms.
*Our 5/1 ARM Special offers a 5.25% interest rate for the initial 60-month fixed-rate period. After the initial period, the interest rate may increase or decrease every 12 months based on a Treasury Index plus a margin of 3.00%. (Currently, 6.75% based on a reasonably current index plus the margin. This may change as the index changes.) For example, based on the chart above, a $150,000 loan with a 360-month term has a maximum interest rate increase of 6.000 percentage points above the initial interest rate, up to 11.250%, and the payment can rise from a first-year payment of $828.68 to a maximum of $955.53 in the 6th year.
**Our 10/1 ARM Special offers a 5.50% interest rate for the initial 360-month fixed-rate period. After the initial period, the interest rate may increase or decrease every 12 months based on a Treasury Index plus a margin of 3.00%. (Currently, 6.75% based on a reasonably current index plus the margin. This may change as the index changes.) For example, based on the information above, a $150,000 loan with a 360-month term has a maximum interest rate increase of 6.000 percentage points above the initial interest rate, up to 11.50%, and the payment can rise from a first-year payment of $852.08 to a maximum of $941.91 in the 11th year.
