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account to your first loan. 
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Personal Loans and Lines of Credit

Lot Loan  |  Construction Loan  |  USDA Guaranteed Rural Housing Loan
Bridge Loan  |  Home Equity Lines and Loan

Lot Loan

The Lot Loan allows you to finance the purchase of a platted lot and, eventually, convert the loan to fund construction of your home and permanent mortgage.

Features and Benefits

  • One year interest only
  • Competitive interest rates
  • Variety of terms available
  • Multiple loan-to-value options

Call or email us to learn more about your options.

Construction Loan

You’ll find our Construction Loans are a hassle-free way to secure financing to build your dream home.

Features & Benefits

  • Designed for people who are building a home from scratch and need construction financing
  • Competitive interest rates
  • Flexible terms available
  • Fixed interest rate loan
  • No Private Mortgage Insurance required
  • Make your payments at your local branch
  • Draws are monitored against the balance of the cost to complete the project

Call or email us to learn more about your options.

USDA Guaranteed Rural Housing Loan

Eligibility criteria:

  • Have an adequate and dependable income
  • Be a U.S. citizen
  • Have an adjusted annual household income that does not exceed the moderate income limit established for the area. (See our lenders for more details)
  • Have a credit history that indicates a reasonable willingness to meet obligations as they become due
  • Have repayment ability based on the following ratios: Principle, Interest, Taxes and Insurance divided by gross monthly income must be equal to or less than 29%. Total debt divided by gross monthly income must be equal to, or less than, 41%

Homes that Qualify:

  • Guaranteed loans can be made on either new or existing homes
  • Existing homes must be structurally sound, functionally adequate, and in good repair
  • There are no restrictions on the size or design of the home financed
  • The home must not be used for income producing purposes

Features & Benefits

  • Loans may be for up to 100% of appraised value or for the acquisition cost
  • Mortgages are 30-year fixed rate at market interest rates
  • Loans may include funds for closing costs, the guarantee fee, legal fees, title services, cost of establishing an escrow account and other prepaid items, if the appraised value is higher than sales price
  • Seller may contribute to the buyer's closing costs
  • Home buyers make application with Community First Bank lenders
  • Buyers must personally occupy the dwelling following the purchase

To learn more about this program, please visit your local Community First Bank Lender.

Bridge Loan

Sometimes the hardest part about buying a new home is securing a down payment. A Bridge Loan allows you to purchase a new home without the pressure of immediately selling your existing home. With a bridge loan, you can use the equity in your current home as a down payment for your new home.

Features & Benefits

  • Make interest only payments with one final balloon payment
  • Competitive bridge loan rates and terms
  • Interest may be tax deductible (consult your tax advisor)

Call or email us to learn more about your options.

Home Equity Lines and Loan

Community First Bank offers Home Equity Lines of Credit (HELOCs) and Loans. Competitive interest rates, low monthly payments, and tax deductibility (consult your tax advisor) make our Home Equity products the smart choice for financing:

  • Home improvements
  • Debt consolidation
  • Vehicle purchases
  • Education expenses
  • Unexpected expenses

Features and Benefits

  • Multiple loan-to-value options available
  • Flexible terms
  • Fixed and variable interest rates available
  • No prepayment penalty
  • Quick local decision process

Call or email us to learn more about your options.


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