Rates

Owner-Occupied Construction Mortgage financing is based on a single closing construction-to-permanent basis.
All Annual Percentage Rates (APR) listed assume a $320,000.00 mortgage and a 20% down payment unless otherwise stated. Private Mortgage Insurance (PMI) required if the down payment is less than 20%.
Rates shown are for owner-occupied properties.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval
Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing).
Mobile Homes with own land will be financed as a 15 Year (180 months) amortization

Owner-Occupied Construction Mortgage financing is based on a single closing construction-to-permanent basis. The initial interest rate may be discounted until the first review period. The annual percentage rate is subject to increase or decrease after closing.

All Annual Percentage Rates (APR) listed assume a $320,000.00 mortgage and a 20% down payment unless otherwise stated. Private Mortgage Insurance (PMI) required if the down payment is less than 20%.

Rates shown are for owner-occupied properties.

Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.

Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.

All loan applications are subject to credit approval

Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing).

Mobile Homes with own land will be financed as a 15 Year (180 months) amortization.

Rates May Increase After Consummation. Mortgage payments per $1,000 based on 30-year amortization.

 *CAP Structure: Initial Adjustment/Lifetime Adjustment. The margin on all Adjustable Rate mortgages is 2.750% unless otherwise noted.

**Payment based on fully indexed rate for next adjustment period.

Disclosure:
All Annual Percentage Rates (APR) listed below assume a $320,000.00 mortgage and a 20% down payment unless otherwise stated. Private Mortgage Insurance (PMI) required if the down payment is less than 20%.

**Lender-paid Private Mortgage Insurance (PMI); Income and Property Location Restrictions Apply.
Rates shown are for owner-occupied properties.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval.
Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing) For all Adjustable Rate Mortgages (ARM), the Rates May Increase After Consummation. Mortgage payments per $1,000 based on 30-year amortization. The margin on all Adjustable Rate First Time Home Buyer mortgages (ARM) is 2.250%, unless otherwise noted.”

HOME ONE

HOME POSSIBLE ADVANTAGE

Annual Percentage Rate (APR) based on guarantee fee of 1.00% and annual fee of 0.35%

Rates shown are for owner-occupied properties.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval.
Interest Rate Lock for 75 days upon receipt of signed intent to proceed and applicable application fee.
Annual Percentage Rate (APR) based on guarantee fee of 1.00% and annual fee of 0.35%

All Annual Percentage Rates (APR) listed assume a $320,000.00 mortgage and a 20% down payment unless otherwise stated.
Rates, APR (Annual Percentage Rate) and margin are subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type and occupancy.

Payment based on fully indexed rate for next adjustment period.
Payments do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater.
All loan applications are subject to credit approval.
Country Bank offers 60 day rate locks. You have the ability to lock in your interest rate for 60 days at any time during the loan process (up until 10 days before the closing).

CAPS: Initial Adjustment/Lifetime Adjustments.

The Country Bank Home Equity Line of Credit (HELOC) has a variable periodic rate based on the current Prime Rate plus a Margin. Home Equity Lines of Credit with a Loan-to-Value ratio up to 80% will be priced at Prime rate plus a margin of 0%. Home Equity Lines of Credit with a Loan-to-Value of 80.01% and a maximum Loan-to-Value ratio of 95% will be priced at Prime rate plus a margin of 1.50%, and the maximum loan amount is $250,000.00. Annual Percentage Rate (APR) is subject to increase to a Maximum of 18%. Hazard insurance is required. Early Termination fee of $500.00 may apply if the Home Equity Line of Credit is closed and discharged within thirty-six (36) months from the date of the Note. For loan requests less than $250,000.00, the Bank will determine a value by using our standard method which includes an Automated Valuation Model (AVM). If the Bank is unable to determine or obtain a value using our standard method for your requested loan amount, a full appraisal will be required at your expense to determine the value. After the Bank has determined the valuation, you will be contacted with your lending options. For loan requests equal to or greater than $250,000.00, the Bank requires a full appraisal to be completed on your home to determine the value. The current cost for a full appraisal is $475.00 for a single-family property or $575.00 for a 2-4 family property. For loan requests less than $250,000.00, the standard closing and recording costs will be paid by the Bank. You will be responsible for any fee(s) associated with delivering clear, marketable, and insurable title, including but not limited to discharge fees and/or any fees to establish or maintain a Homestead Act. For loan requests equal to or greater than $250,000.00 or for properties where title will be held in the name of a trust, the Bank requires a full title exam, title policy, and title certification at your expense. You will be responsible for any fee(s) associated with delivering clear, marketable, and insurable title, including but not limited to discharge fees and/or any fees to establish or maintain a Homestead Act. Closing costs will range from $0.00 to $2,800.00 and will vary based on the line amount requested and the attorney chosen to conduct the closing. Maximum LTV is 95%; Minimum credit limit is $15,000.00. You can convert all or a portion of your balance to a Fixed Rate Term Out Loan during the term of your draw period. A maximum of three (3) Fixed Rate Term Out Loans can be taken. Call us for additional rates and details!

All loan applications are subject to credit approval.

*Rate discounts are available if payment is automatically deducted from a new or existing Country Bank Perks or Rewards checking account.  New accounts must be opened prior to closing. Contact us for more information.

Credit Booster Minimum $200.00 Max $3,000.00.

Minimum term: 12 months

All rates are subject to change without notice.

All loans are subject to credit approval.

If payment is automatically deducted from a new or existing Country Bank checking or savings account, the rate will be reduced by 0.250 percentage points. New accounts must be opened prior to closing.

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$10 minimum balance required to open account.
$10 daily balance to earn APY.
The rate may change after the account is opened. Fees could reduce earnings on the account.