Mortgage Loans
Your home is our top priority.
Apply online, in minutes.
OSB Community Bank (NMLS #403014)
OSB Community Bank is a leader in home loan financing.
We offer a wide variety of programs to meet the needs of every homeowner.
Our experienced loan officers are ready to assist you.
- Conventional Mortgage Loans with Fannie Mae & Freddie Mac
- Fixed - Rate Loans
- Adjustable - Rate Loans
- Government Mortgage Loans
- USDA
- VA
- FHA
- First Time Home Buyer Grants and Programs
Refinancing your mortgage could help you:
- Shorten your term
- Lower your interest rate
- Consolidate debt
- Borrow additional funds (cash out)
Home Building
You build the memories. We'll finance the dreams!
Construction-to-Permanent Loan
- One closing, one set of closing costs
- Interest only during the construction phase
- Construction loan converts to a permanent loan after construction
- Lot financing available
Construction 12 Month Interest Only Loan
- 12 month loan term
- Interest only during the construction phase
- Refinance to a permanent loan after construction
- Origination credit to be given at the closing of the refinance if refiance loan is obtained from OSB Community Bank
- Lot financing available
Home Equity Line of Credit (HELOC)
Enjoy the flexibility of a home equity line of credit so you can borrow what you need, when you need it.
- Flexible – our Home Equity Line of Credit gives you the flexibility to draw on your account as your needs arise
- Accessible – Access your funds in person, by phone or with Home Equity Line Checks.
- Reusable – pay your balance down and then borrow it again at a later date
- Affordable – low rate of interest
- Tax Deductible – payment may be deductible on your federal tax return (consult with your tax advisor)
Ready to get started? Applying online is safe, secure, and easy! Complete our online mortgage application at your convenience. You can start your application, save your work and finish later if needed. Click Apply Now below to begin your mortgage loan application.
All loans are subject to credit and underwriting approval. Certain fees, restrictions and property limitations may apply.