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Your homebuying journey starts here

Congratulations on taking your first step toward homeownership! This page will help keep the process simple, but know we’re always here to help. What are you looking to do today?

Let’s start with the basics

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Download our Homebuyer’s Kit

The homebuying process may seem complicated, especially when it’s your first time experiencing it. That’s why we created our Homebuyer’s Kit: to provide you with a helpful resource that simplifies the mortgage process. It covers a wide range of topics, including required documentation, mortgage options, mortgage to-dos, and tips for finding the best loan for you. Download your free copy to start simplifying homebuying.

Helpful information for beginners

Purchasing a home can seem daunting, especially when you don’t know where to start. We’re here to help every step of the way with useful information and tips, as well as a range of products that meet your specific needs. To start, let’s answer some frequently asked questions.

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See how much you can borrow

Knowing how much you can afford will help you narrow down which homes to consider. With our helpful calculator, you can get an estimate based on some key information, including:

  • Your annual income
  • Term length
  • Interest rate
Do The Math


Homebuying in 6 steps

your finances


Find a real
estate agent

for home

an offer

and close

your finances

First, you’ll want to look at your current debts and income, then consider how much money you can reasonably afford to spend each month on a mortgage. From there, you’ll want to determine your credit score, as this directly impacts what loans and interest rates you qualify for. Try reducing your debt as much as you can to help improve your score. Remember: When calculating the cost, don’t forget to include your down payment, closing costs, property taxes, and homeowners insurance.

Determine your budget


Before you start searching for a house, it’s important to know just how much house you can afford. Get prequalified in person or online, but be sure to have proof of employment, assets, and income tax returns on hand. After you apply, your lender will give you a preapproval letter stating how much you’re approved for based on the information provided. Show this letter to your real estate agent so they can help find homes in your budget.

Find a real
estate agent

Begin by asking family members and friends for recommendations. Direct referrals are often the best way to get unbiased information on agents in your area. Remember: These agents are local market experts and can advise you on how much to offer on a property, as well as write an offer letter and assist in negotiations. As a buyer, you can usually work with a real estate agent for free, as their commission tends to be covered by the seller.

for home

This is where you get to have some fun. Make a list of the top priorities you’re looking for in a home, including items like square footage, number of bedrooms, backyard/swimming pool, school district ranking, or local entertainment options. Share this list with your agent, who will then search for the right homes that meet your criteria. Once you find a property that meets your needs and budget, it’s time to make an offer.

an offer

When you decide to make an offer on a home, your agent will help you submit an offer letter in writing. Your offer letter will include basic personal details and the price you’re willing to pay. It will also include a deadline for the seller to respond to your offer. From here, the seller can respond in one of three ways: accept the offer, reject the offer, or give you a counter offer. Remember: Don’t be afraid to walk away if you can’t reach an agreement.

and close

Once you and the seller agree to an offer, you’ll need to schedule an inspection and appraisal. An inspector will go through the home to make sure it’s safe and that everything is in working order. A home appraisal will identify the current value of the property, which lenders require to ensure they’re not lending more than the home’s value. At your closing meeting, you’ll sign a settlement statement that lists all costs related to the home sale. You’ll then pay your down payment and closing costs (if applicable) and sign the mortgage note, which states that you promise to repay the loan. Once you sign the mortgage or deed of trust, you’re officially a homeowner!

Meet the Barclays

With help from our Affordable Housing Programs, the Barclays bought their first home—one that met the needs of their growing family.

Mortgage options tailored to your needs

“Knowing that there was somebody fighting for us, and then to see it all pay off, just really speaks volumes for Ronda and Community Bank, because this was the first time that I was ever in a business transaction where I felt like I mattered and my family mattered.”

—Makaila Barclay, Community Bank customer

Explore our custom home loan options

Now that we’ve covered the basics, let’s explore your mortgage options. We have a range of home loan types available, but more importantly, we have mortgage experts who will build a loan tailored to your individual needs. By mixing and matching our flexible options, you’ll get a loan on your terms while simultaneously maximizing your buying power.


Let’s build the best option for you

Fixed-Rate Loans

With predictable rates and payment schedules, our fixed-rate loans keep your monthly principal and interest payments in place, so you can stay on budget each month. How it works is simple: If you purchase a home at 4% interest with a 30-year fixed rate, you will pay only 4% interest every month for the duration of your loan.

Adjustable-rate mortgages

With an interest rate that changes periodically, an adjustable-rate mortgage (ARM) is ideal for individuals who plan to relocate soon. The initial interest rate is lower than comparable fixed-rate mortgages but can fluctuate once this period ends. It can help you save money early in your loan term while you plan your next move.

Bi-weekly mortgages

Traditional mortgages feature monthly payments, but bi-weekly mortgages allow you to make half of your monthly payment every two weeks. The benefit? You’ll pay less in interest and complete your mortgage sooner, making it an option Community Bank is proud to offer our customers.

VA loans

As an authorized mortgage lender by the Department of Veterans Affairs, Community Bank is proud to offer home loans to active service members, veterans, and surviving spouses who meet the VA’s qualifying requirements. Whether you want to buy a home, build from scratch, retain a property, or even renovate your primary residence, we’re here to support your homeowning plans.

Affordable housing programs

If buying a home feels out of your budget, you may qualify for a USDA-sponsored loan or HomeReady® by Fannie Mae. With benefits including zero down payment and up to 102% loan-to-value ratio, we can help you afford your very own home. Click below to learn more or to sign up for a free consultation.

Construction and land loans

Looking to build a new home or start a significant remodeling job? Our construction and land loans can help you fund a new build or purchase a parcel of land. Financing varies between the two options, but both can help you put your plans in motion.

For products in your area,
select your nearest CBNA location.

Let’s see how much home you can afford

Before you start looking for a home, you should know what kind of home you can afford. Prequalifying for a mortgage does exactly that, while using our mortgage calculator can help you determine what your mortgage might look like.

Ready to start? So are we.

Get prequalified first

Once you know your budget, you can truly begin the homebuying journey by getting prequalified. Most real estate agents will require you to be prequalified before helping you find the perfect home, so click below to get started.

Schedule an appointment

Once you know what your budget looks like, get in touch with a mortgage banker for extra homebuying tips, tricks, and even answers to questions on your mind. Click below to find the right banker for you.

Apply for a mortgage today

You’ve done your research, gotten prequalified, and finally found your dream home. Now it’s time to apply for a mortgage. Start your application below and scroll to the right to find the right mortgage banker for you.

Apply Online

Need help? We got you.

Find your nearest branch

Talk to a loan expert in person by finding the branch nearest you.

See Locations

Schedule an appointment

Meet with one of our bankers on a topic of your choosing, in-branch or over the phone.

Select A Date

Prequalify for a mortgage

Find out how much home you can afford before you start your homebuying journey.

Get Prequalified