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Mortgages

Buying a home is the biggest financial decision you’ll ever make. That’s why it’s important to choose a banking partner who can help you through the homebuying process from start to finish. When you’re ready for a loan, we’ll help you find and secure one that works best for you and your situation—with competitive rates and terms, and simple payment options. Reach out to us anytime or to get started. Remember: We’re here to help, no matter where you are on your journey.


 

The No Closing Cost option is valid on most owner occupied, 1–4-family residential properties. Property and hazard insurance are required and are the responsibility of the borrower. For mortgages with less than 20% down payment, Private Mortgage Insurance (PMI) may be required and customer is responsible for PMI premiums. Other applicable fees/charges, including deed stamps or deed transfer taxes, are not mortgage closing costs and will not be paid by the Bank. If a customer elects to obtain owner title insurance, the customer is responsible for the owner title insurance premium. Condominiums and single-wide mobile homes are not eligible for a no closing cost mortgage. Double-wide mobile homes are eligible for the no closing cost mortgage only if permanently attached to a foundation. Should the no closing cost mortgage be closed or discharged within the first three years, the Bank may collect the third-party closing costs from the customer that were waived when the loan was opened. If a customer selects an attorney to represent him/her, customer is responsible for attorney fees. Community Bank will not pay for a survey, nor any other item that is ordinarily paid for by the seller. ADDITIONAL “NO CLOSING COSTS” PRODUCT DISCLOSURE: “No closing costs” means no: origination fee/points; application fee; flood check fee; credit report fee; appraisal fee; mortgage recording fee; abstract update or title search fee; lender title insurance fees; bank attorney fee; mortgage recording tax.

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We make home happen

Buying a new home is always a big deal, but adjusting to a new country at the same time is even more challenging. For Connor and Dayle, who moved from England all the way to Cooperstown, Community Bank was the key to a smooth transition. Learn how Community Bank worked with Connor and Dayle to build their credit from the ground up and help them buy their first home in the U.S.

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