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Unlock the door to your dream home with our versatile range of mortgage options. Home mortgage, home improvement, or construction – we've got you covered!
First-Time Homebuyer Programs
Fixed-Rate Mortgages
Adjusted Rate Mortgates (ARM)
Know what your mortgage payment is going to be every month for the life of the loan.
Your payment always remain the same, helping you to plan and budget, staying on track with payments. Chelsea State Bank offers a variety of terms to give you choices in both payment amount and when you make the final payment on your home.
Advantages to a Chelsea State Bank fixed-rate mortgage include:
For some customers, a balloon mortgage is just what they need to achieve their dreams.
It’s not for everyone, but for those who are interested in this more unique way of financing, CSB is your bank to help make it happen. A balloon loan is perfect for those who are planning to refinance or sell property before the loan matures.
Fantastic financial gains with a long term and a fixed rate. Minimal cash investment up front.
FHA mortgages are government insured and provide a great financing option to those who need a lower down payment or more flexible credit requirements.
A mortgage backed by the Federal Housing Administration (FHA) provides a way for those who do not meet the requirements of a conventional mortgage to still be able to purchase their own home. Private Mortgage Insurance (PMI) is required. Highlights of a FHA loan include:
Turn your home into a launchpad for your dreams with our home equity loans! Whether it’s a kitchen makeover, a dream vacation or other project – convert equity into a lump-sum loan – or cash you can use on an ongoing basis.
Accommodating repayment terms
Interest paid may be tax deductible*
Convert equity in your home into cash
*Consult a tax advisor
No need to crunch all of those numbers on your own! Our handy, online calculators can help with your financial forecasting.
Total Interest Paid
*This calculator is for informational purposes only, and does not constitute an offer. Results are based on estimates provided by you, and are not guaranteed to be accurate.
Sometimes the best way to get the home you really want is to build it yourself. Fortunately, we can help you with that.
Primary Residence or Second Home
Construction Draws Applied in Stages
Convenient Loan Option
Your next home project could increase your home’s value significantly. Let us help with affordable financing.
Flexible Terms to Meet your Budget
Fast, Local Decisions
Variety of Home Improvement Projects
No need to crunch all of those numbers on your own! Our handy, online calculators can help with your financial forecasting.
Total Interest Paid
*This calculator is for informational purposes only, and does not constitute an offer. Results are based on estimates provided by you, and are not guaranteed to be accurate.
Fantastic financial gains with a long term and a fixed rate. Minimal cash investment up front.
Lower Down Payment Requirements
Lower Credit Requirements for Applicant
Down Payment May be Gifted from Family
Fantastic financial gains with a long term and a fixed rate. Minimal cash investment up front.
FHA mortgages are government insured and provide a great financing option to those who need a lower down payment or more flexible credit requirements.
A mortgage backed by the Federal Housing Administration (FHA) provides a way for those who do not meet the requirements of a conventional mortgage to still be able to purchase their own home. Private Mortgage Insurance (PMI) is required. Highlights of a FHA loan include:
Prescribing Financial Wellness: Home Loans for Medical Professionals! You take care of others, so let us take care of you! Introducing our exclusive program for medical professionals, tailored specifically for you.
Who Qualifies?
Client Relations Director
Senior Vice President
NMLS ID: 401631
Vice President
NMLS ID: 441382
Vice President
NMLS ID: 685690
Banking Officer
NMLS ID: 1560785
Banking Officer
NMLS ID: 750589
