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Lending

Get A Home Faster – Mortgage Approvals at the Speed of Life

 

Local lending = faster decision. Get your new home faster. Our experienced mortgage lenders will guide you through the process and find the loan that will work best for you. Because we are right here in your community, the decision making is right here too. That means you get the answers you’re waiting on faster. See below for a list of our loan products. For more information about how we can customize a loan to meet your specific needs contact Jennifer Luck or Jerry Mueller or call us at 513-734-4445.

Property Types

Personal

  • Single Family
  • Condominiums
  • 2-4 Family
  • Raw Land
  • Developed Lots
  • Manufactured

Personal Loan Required Information

  • Last month worth of paycheck stubs
  • W-2 forms for the last 2 years (2 years returns if self-employed)
  • 2 months statements for checking, savings and retirement accounts
  • Purchase Contract (If purchase)
  • Plans and specifications on construction loans
  •  Loan Application Packet (Enter Online, Print and Return to Main Office)

Investor

  • Investor Single Family
  • 2-4 Family
  • Multi-Family
  • Commercial Real Estate

Investor Loan Required Information

  • Last 2 years personal and business tax returns
  • Personal financial statement
  • Verification of liquid assets
  • Purchase contract (If Purchase)
  • LLC or partnership operating agreement
  • Articles of incorporation from state of incorporation 

Loan Programs

  • Conventional Loans
  • Construction Loans
  • Jumbo loan (nonconforming mortgages)
  • Home equity lines of credit
  • Blanket loans
  • Fixed rate second mortgage

Unlock Your Home's Equity:

Home Equity Line of Credit

Get the Money You Need with a HELOC Today!

Life is full of opportunities and surprises, and your home’s equity can help you stay prepared. With a Home Equity Line of Credit (HELOC), you have the flexibility to draw the funds you need, when you need them – making it the perfect financial solution for home renovations, unexpected expenses, or big dreams you want to achieve.

Why Choose a Home Equity Line of Credit?

  • Flexible Access to Funds: Borrow only what you need, when you need it.
  • Pay for What You Use: Only pay interest on the amount you draw.
  • Use for Anything: Home improvements, debt consolidation, or other large purchases.

Whether you’re planning to upgrade your kitchen, consolidate high-interest debt, or just need some peace of mind for future expenses, a HELOC gives you the financial freedom to make it happen.

 

Get started today and unlock the potential of your home’s equity!

Online Loan Payment Features and Disclosures

Payments credited next business day.
No fee for Payments made via ACH.
Debit Card Payments (Visa & MasterCard) $7.95.
Credit Card Payments (Discover & Mastercard) 2.95% + .25 cents per transaction.

 

For your protection, never email us your personal information.

"My wife and I recently processed a Home Loan through Community Savings Bank. Jennifer Luck was our loan officer and she was outstanding in every way. We work in the public sector our schedules are varied and sometimes we couldn't meet with Jennifer at the bank. She went above and beyond her duties by allowing us to call her at home to discuss our loan with her on her personal time.

 

I can't say enough about Jennifer and Community Savings Bank! We not only consider her our valuable loan officer, she's also a friend."

 

-Edward and Julie D, Bethel Ohio Branch