Mortgage application stamped approved with house key chain

Mortgage Loans


Choosing your dream home is all about finding the right property for you and your family. Choosing your mortgage should also be about finding what’s right for you, the right loan that offers competitive rates, low closing costs, quick turnaround, flexible payments and real security from a local lender and loan servicer like CNB. We offer a full range of mortgages to meet your down payment amount, home type and budget size.

Whenever you are ready, CNB is here for you. Apply today for your new mortgage or refinance with one of our experienced loan mortgage originators, each of whom is licensed through the Nationwide Mortgage Licensing System and Registry in accordance with the SAFE Act.

Click Here to Apply with CNB Online

Mortgage Loans Options

New and Refinanced Loans

Finance your new home with a mortgage fully backed by CNB that features choice and convenience. Refinance your existing home with that same ease to consolidate your debt, lower your payment or shorten your loan term.

CNB-backed Mortgage Loan Features

  • Enjoy competitive rates
  • Select from a variety of terms
  • Automatically deduct loan payments from your CNB checking or savings account
  • Fund a home purchase, refinance, lot or land acquisition, residential construction or home improvement
Secondary Market-backed Loans

For even more options and down payment flexibility, choose from one of our secondary market-backed mortgage loans.

Conventional Mortgages Backed by Secondary Market 

  • Finance 95% of primary residences
  • Finance 90% of secondary residences
  • Finance 80% of investment properties

FHA-Backed Loans

  • Finance 96.5% of primary residences

VA-Backed Loans

  • Finance 100% of primary residences 

USDA Rural Housing Loans

  • Finance 100% of primary residences within certain income limits

In-house Loans

  • Finance long-term loans

Construction Loans

  • Finance primary or secondary residences, investment properties or spec homes