Happy Hispanic family purchase a new home.

Mortgage Loans

You’ve found your dream home. Now let’s go get it!

Buying a home should be exciting, not stressful.

Whether you’re buying a new home or refinancing your current one, our friendly home loan experts make the process fast and easy so you can enjoy it.  Choose from a variety of terms and interest rate options to get the payment that works best for you.


 

A Caucasian husband and wife are posing outdoors in front of a new house. They are wearing casual clothing. They are standing beside the sold sign and smiling at the camera while embracing.

Fixed Rate Mortgages

100% financing for qualified applicants

A fixed rate mortgage gives you the stability and security of knowing just what to expect each month on your mortgage. Knowing that your payment will not change lets you budget your monthly expenses accurately. The terms range anywhere from 10 to 30 years, whatever is best for your budget. This type of loan will give you the opportunity to finance residential and investment housing.  Jumbo loans are also available.

Apply Now


 

Young happy family moving in new home and choosing colors form palette.

Adjustable Rate Mortgages (ARM)

An adjustable rate mortgage enables you to branch out into different ventures. The rates are always kept competitive to keep your payment down to a minimum.  This type of loan will give you the opportunity to finance commercial properties, residential and investment housing.  Some loans are available with terms up to 30 years.

Apply Now


 

Father Pushing Daughter On Garden Swing At Home

Refinance your home

Sometimes the mortgage payment that you started with no longer fits your budget.  If your financial circumstances have changed and you need to change your monthly payment amount, or you just want to take advantage of a lower rate being offered today, you may be able to refinance your mortgage and save money.

Apply Now


Mortgage Resources

The Mortgage Process

Confused about what takes place when you’re buying a home?  Learn how the whole process works from start to finish.

Application Checklist (PDF)

Here’s the documentation we’ll need from you to process your loan.

Calculators

Use our assortment of calculators to determine the best way to finance your loans.

Free Credit Report

Credit reports may affect your loan rates.  Federal law allows you to get a free credit report every 12 months from each credit reporting company.  Download yours today to make sure it’s accurate and to look for any signs of identity theft.

Mortgage Glossary

Find definitions to common terms used in relation to mortgage loans.


Monitor your loans and make payments with our electronic banking services

PC icon

Online Banking

Manage your account from anywhere Internet is available.

Learn More

phone icon

Mobile Banking

Do your banking on the go with our CSB Mobile app.

Learn More

chat icon

Text Banking

Check your balance with a simple text message.

Learn More

ringing bell icon

Account Alerts

Get email and text messages when payments are due.

Learn More


Nationwide Mortgage Licensing System & Registry (NMLS)

All Cumberland Security Bank mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. The NMLS Consumer Access is a free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is authorized to conduct mortgage business in their state. Each mortgage professional will be identified by their individual NMLS number which is provided below.

Bank                                                     NMLS ID

Cumberland Security Bank                  463932

Mortgage Professional                     NMLS ID

Michael Gover                                       464119
William Benjamin Wilburn                  464110
Mark Ross                                              464121
Josh Parrott                                           1412724
Patti Waymire                                       415665
Charlie Dishman                                  1750302