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Personal Lending

Personal Loans and Lines of Credit
A Personal Installment Loan is a loan where a customer's personal property might be used as collateral or in most cases, a customer's signature alone to obtain a loan. At Community First Bank the terms are tailored to fit your needs. You can buy things today and comfortably pay for them over the term of the loan.

A reduced rate is offered when your monthly payment is automatically deducted from your Community First Bank checking account. Saves you time and money and eliminates worries about missing payments, late charges, and postage fees.

A Personal Line of Credit is an unsecured revolving line of credit which allows you to borrow money when you want it simply by writing a special check, or it can provide overdraft protection for your Community First Bank checking account. This saves you time, money and embarrassment associated with overdrafts.

Your monthly payment can be automatically deducted from a Community First Bank checking account.

Personal Time Notes are short-term in length. Fixed and variable rates are available. Personal time notes provide temporary funding prior to the completion of a contract, sale of an asset, or similar event.

An Auto Installment Loan is a loan in which your automobile is used as collateral. Community First Bank prides itself in quick loan decisions, easy-to-understand applications and competitive interest rates.

Monthly payment can be deducted automatically from your Community First Bank checking account. Saves you time and money, as there is no need to visit the bank, no worries about missing payments, no late charges, and no postage fees.

Certain geographic locations apply on this type of loan.

We'll provide financing options that fit your budget and lifestyle. Loan decisions are made locally, so you can get into your new house faster.

Real Estate Mortgages; for many people, buying a home is the single most significant financial step of a lifetime. The most common form is a residential mortgage in which the customer's home is used as collateral.

With our flexible programs you can:
  • Buy
  • Build
  • Refinance
Conventional Mortgage
  • Enjoy a competitive fixed interest rate
  • Convenient loan terms
  • Make additional payments without a pre-payment penalty
Bi-Weekly Mortgage
  • Offers a fixed rate of interest
  • Make payments every 14 days
  • Pays down principal faster
  • Enjoy automatic payment for a Community First Bank account
Construction Mortgage
  • Build your dream home
  • Easy-to-manage paperwork
  • Offers a fixed interest rate
Community First Bank prides itself in quick, local loan decisions and easy-to-understand documents.

Home Equity Loans and Lines of Credit
Home Equity Loans utilize the accumulated equity in your property as collateral for long-term loans for a variety of purposes such as doing extensive remodeling of the real estate.

Monthly payments can be deducted automatically from your Community First Bank checking account at a reduced rate of interest. This saves you time and money, and eliminates worries about missing payments, late charges and you pay no postage fees.

A Home Equity Line of Credit is a revolving line of credit based on the equity you have built up in your home.

Interest is charged only on the funds used. This is economical since there is no charge until you use it.

Account can be accessed by special checks, which is convenient, since there is no need to reapply each time money is needed.

Monthly payments can be deducted automatically from a Community First Bank checking account. This saves you time and money and eliminates worries about missing payments, late charges and you pay no postage fees.

The interest on Home Equity loans may be tax deductible.

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