Buying or building a home is one of life's special moments.
Finding a mortgage that best suits your finances is just as important as choosing the best floor plan or right neighborhood. At CBBC Bank, our Mortgage Lending Team will gladly describe all the options, answer your questions and guide you through every step of the application process.
- All loans are subject to credit and underwriting approval. Certain fees and restrictions may apply or other terms and conditions may apply.
- Emails and form submissions will receive a lender response by the end of the following business day.
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Financial Calculators
Meet Our Mortgage Lenders
Our team can help you find the right mortgage or home equity product for your budget and lifestyle. Contact them directly to discuss all your options.
Novella Jones
Mortgage Dept.
NMLS# 455291
(865)379-2500
Chad Hicks
Main Office
NMLS# 773849
(865) 977-5978
Rick Hudolin
Hwy. 411 South Branch
NMLS# 929685
(865) 380-1360
Julie Miller
Foothills Branch
NMLS# 417560
(865) 977-5970
Brent Musick
Townsend Branch
NMLS# 475447
(865)380-1353
Perry Roberts
Midland Branch
NMLS# 773873
(865)977-5950
Molly Miser
Topside Branch
NMLS# 1837217
(865)977-5980
Meagan Byrd
Heritage Branch
NMLS# 2517959
(865)977-5976
Mortgages available for online application
Conventional Loans
- Fixed-rate and adjustable-rate loans available
- Repayment terms up to 30 years
- Competitive rates and closing costs
- Schedule convenient automatic payments through BankOnLine or Mobile Banking
- Mortgages insured by the Federal Housing Administration
- Down payments as low as 3.5%
- Flexible credit guidelines
- Fixed-rate and adjustable-rate loans available
- Gifts from family and friends can be used to cover upfront costs
- Borrowers much meet certain income guidelines to qualify
- Work directly with CBBC professionals and not a government agency
- Mortgages are backed by the U.S. Department of Agriculture
- For purchase of properties in rural areas and certain suburbs
- 30-year, fixed-rate loans
- 100% financing available
- Relaxed credit requirements
- No Private Mortgage Insurance requirements
- Borrowers must meet certain income guidelines to qualify
- Work directly with CBBC professionals and not a government agency
- For active-duty military, veterans, reservists and some military spouses
- No down payment necessary
- No Private Mortgage Insurance (PMI) required
- Fixed-rate and adjustable-rate loans available
- Refinancing options available
- Work directly with CBBC professionals and not a government agency
Other types of mortgages you can apply for with us
Construction Loans
FAST Home Equity Loans
- For those planning to build their dream home from the ground up
- Short-term loans that cover both labor and materials
- Funds released to contractors as needed for various stages of construction
- Make interest-only payment during the construction phase
- When your home is complete, this loan easily converts to a conventional mortgage for long-term repayment
- Mobile Home Loans: Whether you’re financing just the home or both the home and the land it will sit on, our loans offer the flexibility to meet your specific needs.
- Vacant Land Loans: Financing is available for both raw and improved lots, giving you the foundation to build or develop your property as you see fit.
The value of your home can help you qualify for low-cost loans that come with maximum flexibility. Although remodeling projects and major home repairs are a common use for funds, many people use the money for major purchases, family vacations, or special occasions, such as weddings.
- Competitive interest rates
- Receive funds in a lump sum
- Loan limit depends on the equity you have in your home (Equity is the current market value minus your mortgage balance)
- Predictable monthly payments that stay the same over the life of the loan
- Schedule convenient automatic payments from BankOnLine or Mobile Banking
- Funds often used to consolidate higher interest loans or credit card balances
- Gain access to revolving loan fund that you can tap into as often as you wish
- Credit limit depends on the equity you have in your home (Equity is the current market value minus your mortgage balance)
- Access funds through checks, BankOnLine or Mobile Banking, or at CBBC Bank branches
- Pay interest only on the amount of funds actually in use
- As you pay down the loan principal, funds can be reused for other purposes
Personal
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Mortgage Frequently Asked Questions
How long does it take to get a mortgage?
Typically, the process takes four (4) weeks.
What documents will you need for the application?
Required Documents: Driver’s license
Additional Documents:
- Most recent tax returns for two years (including all schedules, W-2s, 1099s, etc.)
- Paystubs for 30 days
- 2 months most recent bank statements
Do you refinance existing mortgages?
Yes, we do refinance existing mortgages
How do construction loans work?
Your construction project begins with a contract from a licensed contractor. Then, a home valuation is performed based on a list of materials, house plans, and the cost of the land. You will then draw from your construction loan while the build progresses. Once your project is complete, we convert your construction loan into permanent financing.