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First-Time Homebuyers

There are few things more exciting than buying your first home. But chances are you’ve got some questions about how the homebuying process works, especially when it comes to your mortgage. Our First-Time Homebuyers video series is designed to give you an overview of the mortgage process, so you can kick off your house hunt with confidence. And when you’re ready to chat, we’ll be here. Submit a form for a free consultation and Homebuyer's kit, get prequalified or start your mortgage application online now.

Helpful videos to get started:
• Video 1: Getting started
• Video 2: Credit, income and existing debts
• Video 3: Preparing for a mortgage
• Video 4: Financing options and loan programs
• Video 5: Next steps

See yourself here!

Join our many CBNA homebuyers who are happy to be home.

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Understanding the home buying process
Getting Started

Learn how a mortgage works, how to apply for one and how Community Bank can support you throughout the process.

Credit, income and existing debts

How do you know if you’re ready to buy a home? Learn how your credit history, income and debt-to-income ratio all play a part in your mortgage application.

Preparing for a mortgage

From down payments to closing costs, here’s what you need to consider as you look for the mortgage that’s right for you.

Video 4
Financing options and loan programs

Community Bank offers flexible loan programs for many different types of housing. We’ll help you find the perfect match. Click here to learn more about our mortgage products.

Video 5
Next Steps

So, now what? Here’s what to expect from every step of the mortgage process, from prequalification to closing.

Ready? Start a mortgage application.

Questions? Contact a mortgage banker.

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“Thank you so much for your kind, patient and professional assistance in walking us step-by-step through the loan process. It’s nice to have a small-town bank that provides such great service to the average homeowner!”
Michael & Ruth, Plattsburgh, NY
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Save on your new home from day one

With a no closing cost mortgage, you can save thousands of dollars in upfront expenses.

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Loan Options
Put your home’s equity to work

Home equity loans are a smart way to pay for major home improvements, renovations and upgrades.


Better banking starts with trust—and we’re honored to be recognized for it.

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