Refinancing

Thinking about refinancing your home? Community Bank is here to help you explore whether it’s the right move for your financial future. You’ll work with knowledgeable mortgage experts who take the time to understand your goals and guide you through your options. With a variety of refinance solutions available, we’ll help you find the one that fits your needs, today and down the road.

Explore Our Refinancing Solutions

Fixed-Rate Loans

A fixed-rate mortgage offers dependable monthly payments and a consistent interest rate, giving you confidence and stability throughout your homeownership journey.

Flexible terms available: 15, 20, or 30 years to match your goals
Low down payment options, starting at just 3% for first-time buyers
All loans are reviewed and processed locally by our experienced team
Secure your rate and plan ahead with certainty

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Adjustable-Rate Loans

An adjustable-rate mortgage (ARM) starts with a lower fixed interest rate for 3, 5, 7, or 10 years, making it a great option if you expect to move or refinance before the adjustment period begins. After that, your rate will adjust every six months—but you’ll benefit from early savings when they matter most.

Term options include 3/6m, 5/6m, 7/6m, and 10/6m
Down payments starting at just 5%
Ideal for short-term homeownership plans
Lower introductory rates can help you save more upfront

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Wealth Builder 15-Year Loan

Our Wealth Builder Home Loan is designed to help you build equity faster—paying off your home in about half the time of a traditional 30-year mortgage without doubling your monthly payment. You can own your home in as little as 15 years while saving significantly on interest.

Finance up to 103% for purchases and up to 97% for refinances
No monthly mortgage insurance required
Choose a 15-year fixed rate or a 5/6m adjustable-rate option
Build equity quicker and pay off your home sooner
Reduce the total interest paid over the life of your loan
Seller contributions up to 6% toward closing costs
No limits on income or purchase price
Available to both first-time and repeat homebuyers
Minimum 700 credit score and debt-to-income ratio under 43% required

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FHA-Guaranteed Home Loans

FHA loans help make homeownership more attainable with a low down payment and flexible credit guidelines—an ideal option if you’re still building your financial profile.

Get started with as little as 3.5% down
More flexible credit requirements compared to conventional loans
Seller contributions can help reduce your closing costs
No income restrictions to qualify

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VA-Guaranteed Home Loans

VA loans are designed to recognize your service with valuable benefits that make homeownership more affordable and accessible for you and your family.

100% financing available with no down payment required
Open to eligible active-duty members, veterans, National Guard, Reserves, and certain surviving spouses
Choose from Purchase, Streamline Refinance, or Cash-Out Refinance options
No private mortgage insurance (PMI) needed
Seller contributions can help offset closing costs
In some cases, you can purchase with as little as $500 out of pocket

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CB Swing Loan

Our Swing Loan allows you to use the equity in your current home to purchase your next one—so you don’t have to wait for your existing home to sell or deal with the hassle of moving twice.

Access up to 85% of your home’s equity when working with a real estate agent
Lower loan-to-value options available for private sales
Make interest-only payments for up to 12 months while your home is on the market
No escrow account required for taxes or insurance
Loan amounts available up to $600,000
Simplified appraisal and title process for loans under $400,000
Move directly into your new home with no interim step

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Let’s Talk About Your Options

Connect with one of our mortgage loan advisors to discuss your refinancing options. We’ll take a look at your current mortgage, review the numbers, and help you make an informed decision. From application to closing, we’ll guide you through every step of the process.