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Loan Products Offered

Home Mortgage Loans

CCFBank will provide the experience and expertise you need throughout the home buying process. A designated lender will guide you through our straightforward solutions, helping you turn your dream of home ownership into a reality.

  • Conventional 
  • FHA
  • USDA
  • VA
  • Portfolio
  • Construction

Conventional Fixed Rate

Conventional Fixed Rate Financing:

  • Multiple Fixed Rate Options
  • Flexible gift funds down payment options
  • Minimum down payment as low as 3%* for Qualified First Time Home Buyers
  • Seller can contribute up to 3% closing costs

*Assuming a purchase of $100,000 and a down payment of $3,000 (3%), the payment on a $97,000, 30 year fixed rate loan at 4.5% (4.634% Annual Percentage Rate) and 97% loan-to-value (LTV) is $491.49. Payment does not include taxes, insurance or mortgage insurance premiums. The actual payment will be greater. APR calculations based on an estimated $1,500 in closing costs. Rates are subject to change. Not all applicants will qualify.

Construction Loan

  • One-time closing offer to save on time and fees
  • Up to 10%* down on build
  • Local decisions and draws
  • Customized to primary residences and second homes

*Assuming a build of $200,000 and a down payment of $20,000 (10%), the monthly payment on a $180,000, 30 year fixed rate loan at 4.5% (4.634% Annual Percentage Rate) and a 95% loan-to-value (LTV) is $908.62. Payment does not include taxes, insurance, or mortgage insurance premiums. The actual payment will be greater. APR calculations based on an estimated $1,500 in closing costs. Rates are subject to change. Not all applicants will qualify. 

FHA Residential Purchase

  • Minimum down payment as low as 3.5%* of the purchase price
  • The seller can contribute up to 6% closing costs
  • Expanded credit score qualifications
  • Down payment may be a gift from a family member
  • More buyers qualify due to flexible guidelines

*Assuming a purchase of $100,000 and a down payment of $3,500 (3.5%), the payment on a $96,500, 30 year fixed rate loan at 4.5% (4.634% Annual Percentage Rate) and a 96.5% loan-to-value (LTV) is $487.12. Payment does not include taxes, insurance or mortgage insurance premiums. The actual payment will be greater. APR calculations based on an estimated $1,500 in closing costs. Rates are subject to change. Not all applicants will qualify. 

Federal VA Financing

  • 100%* financing available on purchases
  • No monthly mortgage insurance required
  • The seller can contribute up to 4% closing costs and pre-paids
  • Expanded credit score qualifications
  • Certificate of Eligibility can be obtained by the lender

*Assuming a purchase of $100,000 and a down payment of $0 (0%), the payment on a $100,000, 30 year fixed rate loan at 4.5% (4.634% Annual Percentage Rate) and a 100% loan-to-value (LTV) is $504.79. Payment does not include taxes, insurance or mortgage insurance premiums. The actual payment will be greater. APR calculations based on an estimated $1,500 in closing costs. Rates are subject to change. Not all applicants will qualify. 

Portfolio Lending

  • Local decision making
  • Customized terms available
  • Great option for unique properties

USDA Guaranteed Rural Housing

  • Great for first-time homebuyers
  • Up to $100%* financing
  • Expanded credit score qualifications

*Assuming a purchase of $100,000 and a down payment of $0 (0%), the payment on a $100,000, 30 year fixed rate loan at 4.5% (4.634% Annual Percentage Rate) and 100% loan-to-value (LTV) is $504.79. Payment does not include taxes, insurance or mortgage insurance premiums. The actual payment will be greater. APR calculations based on an estimated $1,500 in closing costs. Rates are subject to change. Not all applicants will qualify.