$1000 First-Time Home Buyer Credit 1

Buying your first home should be an exciting and memorable experience. We also know that buying your first home is one of the biggest financial investments most people make. That's why we're offering a $1000 First-Time Home Buyer Credit to qualified first-time buyers.

  


10 Year Fixed Rate + No Closing Costs 2

Our 10 Year Fixed Special eliminates the headache of closing costs and can give you a rate as low as 3.99%*. Save money over the course of your loan compared to 20 or 30 year fixed rates and pay no closing costs. Applicants must have a minimum credit score of 620 and have a max loan to value of 80%.


 


Down Payment Plus (Down Payment Assistance)

Through the Down Payment Plus (DPP) Program, you may be eligible to receive up to $6000 towards closing costs and the purchase of your home. Home Buyers must meet income eligibility requirements. [Find out if you qualify.]


1Closing costs do not include appraisal fees (non-refundable $450 for single family homes and $600 for 2 family homes). Community State Bank will pay $1000.00 in closing costs, any additional closing costs above $1000.00 will be the responsibility of the borrower. Rates and terms are subject to change. Subject to credit approval and program guidelines. All CSB Specials require a CSB Checking/Savings Account and must meet current secondary market lending guidelines. The First Time Home Buyer Special must be a CSB serviced loan.

2Community State Bank will pay closing costs. All applications must be approved through Fannie Mae automated underwriting system. All CSB Specials require a CSB Checking/Savings Account and must meet current secondary market lending guidelines.

*Annual Percentage Rate 3.99% (APR). Rate is accurate as of 03/29/2016. All rates subject to change without notice. 120 payments of $1,517.96 based on a $150,000.00 loan. Maximum loan amount is $417,000.00 with an 80% Loan to Value Ratio or less. Payment does not include amounts for taxes and insurance premiums. Property insurance required. 1-2 family owner-occupied residences only. Subject to approved credit.

For a complete list of product details, eligibility requirements, property eligibility requirements and applicable insurance costs and fees, please contact the CSB Mortgage Center (262) 878-3763.