Home Loans

home loans in Osceola, IA

Whatever your loan needs may be–we are here to assist you!  At Clarke County State Bank our loan officers provide a variety of loans to help meet the many financial needs of our customers.  The experience of the loan staff allows CCSB to provide outstanding, timely service to everyone. 

Visit with Vicky* or Nicole* about our competitive rates and terms!

*IMPORTANT NOTE:  This email is not encrypted.  Do not disclose personal information such as bank account numbers or social security numbers.  

 

Mortgage Center–Easy as 1-2-3!

Purchasing a Home

  • Long term fixed rate mortgage

    Purchase or Refinance. Competitive long term fixed rates available. Competitive fixed rate loans perfect for you if you plan to stay in your home for several years. You know exactly what your monthly payment will be because the interest rate and terms are fixed.

    We offer first-time homebuyer loans with no down payment required. Ask if you qualify.

  • Adjustable rate mortgage (ARMS)

    Our adjustable rate mortgage (ARM) offers lower closing costs and flexible terms. No private mortgage insurance (PMI) requirements.

Refinancing your Home

  • Long term fixed rate mortgage

    Purchase or Refinance. Competitive long term fixed rates available. Competitive fixed rate loans perfect for you if you plan to stay in your home for several years. You know exactly what your monthly payment will be because the interest rate and terms are fixed.

    We offer first-time homebuyer loans with no down payment required. Ask if you qualify.

  • Adjustable rate mortgage (ARMS)

    Our adjustable rate mortgage (ARM) offers lower closing costs and flexible terms. No private mortgage insurance (PMI) requirements.

Other

  • New Home Construction

    Build your dream home and work directly with our experienced lenders. Our one-year construction loan offers a competitive interest rate and limited closing costs.

  • Home Improvement

    You worked hard to build equity in your home. Let us help you with a short-term second mortgage with a fixed interest rate.

  • Rural Living, Hobby Farm

    Competitive long term fixed interest rates available. Eligible properties range from 5 to 160 acres. A hobby farmer is defined as one whose primary business or vocation is essentially other than farming. A hobby farmer has primary employment off of the farm and supplements the primary income with agriculture income.

Home Buying Checklist – what you will need to get started

  • Photo ID
  • W-2s and Federal tax returns for the past 2 years
  • Most recent pay stubs covering 30 days with year-to-date totals
  • Last 2 months of bank statements for all accounts
  • If you are self-employed you may be asked to complete other application documents, such as a  PERSONAL FINANCIAL STATEMENT.

  

Convenient Mortgage Payment Options

  • Automatic payment from CCSB checking or savings
  • In person
  • By mail
  • Internet Banking transfer
  • Mobile Banking transfer