Community First Bank for loans, mortgages in Fairview Heights, Swansea, Belleville, O'Fallon

Mortgage Loans

Custom Designed Loans ...

With all the choices you have to make when you're considering a home loan, financing should be the least of your worries.

We will customize a loan to fit your financial needs.

Long Term Fixed Rate Loans available for ...

Purchases
Refinances
Debt Consolidations

Loans are also available for ...

Construction
Home Improvement
Home Equity Line of Credit

Customized Programs to Fit Your Needs!

Building a Home? One Stop Mortgage Financing

Community First Bank offers great rates and terms available on everything from construction loans to permanent financing.

Our simplified loan process saves you time and money! One loan application solves your construction and permanent financing needs! Saving you ...

Appraisal Fees
Title Charges
Credit Report Fees
Time

Community First Bank - For all your financing needs ...

As a locally owned and operated bank, Community First Bank is committed to meeting your personal and business financial needs. We offer more than just convenience, we offer "REAL" personalized service, sound financial management and a strong commitment to our community.

Community First Bank provides banking services for Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East St. Louis area. Personal services include checking, CDs, savings & investments and loans. Business services include checking, CDs, loans and other business services. We also offer online banking. Other services include the CFB Debit/ATM Card, safe deposit boxes, telephone banking and credit card services. See our rates for interest bearing accounts.

Two (2) year's W-2's from all income sources
If self-employed - two (2) year's federal tax returns; including all schedules; personal and business. Also, a year-to-date profit and loss statement.
Most recent pay stubs covering 30 days
Mailing addresses for last 2 years
Name, phone and mailing address of landlord for last 2 years
Last month's bank statements - checking, savings or signed printout from bank as well as documentation on any IRAs, CDs, Mutual Funds, Stocks, Annuities and 401Ks
Divorce decree if applicable

Construction Loans
Please include the following:

Signed construction contract
Signed offer to purchase lot, if applicable
Title policy on lot if already owned
Plans and specifications from builder
Contractor's disbursement affidavit
Bid for any work not provided in builder's contract
Check to cover cost of appraisal

The mortgage settlement process can be confusing and costly. The Federal Reserve Board provides a brochure, A Consumer's Guide to Mortgage Settlement Costs, to help you understand the steps involved in closing a mortgage. This brochure will help whether you are purchasing a home or refinancing a mortgage.

Community First Bank will NEVER ask you to verify your account information online, nor will we request this information through email. Community First Bank will not ask you to supply any account information or personal information by phone or email. Any official requests for sensitive information will be written on bank letterhead. If you are in doubt regarding the validity of a request for information, please feel free to contact the bank directly for confirmation. If you think you are a victim of identity theft or if you are solicited for information, please contact the bank immediately at (618) 234-9500.