Home Mortgage Loans

Your biggest investment experience should be your most rewarding experience. That's why we're here.

You can trust CommunitySouth to deliver a superior mortgage experience. Whether you’re purchasing a home or refinancing, we provide straightforward, easy-to-understand products and advice, helping you make smart borrowing decisions that meet your needs today and tomorrow.

Most importantly, you'll find some great people -- our mortgage loan team -- that want to help you get the most from your mortgage.

Visit our mortgage center at:
www.csbatmortgage.com

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Fixed Rate Mortgages
Good choice if you prefer a fixed monthly payment, want to increase the loan amount you qualify for, or anticipate living in the home for 10 years or longer.

• Convenient 30-year, 20-year, 15-year and 10-year loans available
• Fixed rate and monthly payment for life of loan
• Apply online at www.csbatmortgage.com
  
  

Low or No Down Payment Programs
Great choice for first-time homebuyers or if you need 100% financing or a low down payment.

• USDA Rural Housing (up to 100% financing)
• Veterans Affairs (VA) programs (up to 100% financing)
• FHA programs (down payments as low as 3.5% of purchase price)
• Apply online at www.csbatmortgage.com
  
  

Home Equity Lines of Credit
Your home's equity is as good as money in the bank.
When you need money to pay for major expenses, the equity that is built up in your home can be a source of real borrowing power.

• Borrow up to 85%* of the appraised value of your home, less any existing mortgages
• Use your available credit line again and again
• Make interest-only payments up to 10 years
• Interest payments may be tax-deductible**
  
  

Additional Loan Programs
We can tailor a mortgage loan for your unique situation and borrowing needs.

• Government-secured loans, including FHA, VA and USDA Rural Housing
• Jumbo Mortgages
• Extended Rate Lock Programs
• Adjustable Rate Mortgages
• Apply online at www.csbatmortgage.com
  
  

Mortgage Pre-Approvals

• House shop with confidence
• Find out how much house you can afford
• Take the worry out of applying for a mortgage
• Get pre-approved online at www.csbatmortgage.com
• Call 864-306-2540 or toll-free 866-421-CSBT
• Email mortgage department manager Joe Albright directly at jalbright@csbat.com
  

It's Easy to Apply!

• Apply online at www.csbatmortgage.com
• Request an application by phone at 866-421-CSBT
• Request an application by emailing mortgage manager Joe Albright at jalbright@csbat.com
• Have one of our Mortgage Experts visit you at your home, office or any one of our branch locations by calling 866-421-CSBT
  
  

* Maximum loan-to-value ratios may vary
** Ask your tax advisor for details