There's no place like home — and there's no place like your community bank to get a home loan. Minimal red tape, locally owned, and folks who treat you like family. You won't get that kind of service at a megabank.

We'll help you finance your own home, whether it's your first or last time to buy a house. Need a land loan? We process those, too. And, as always, you can expect attentive service from start to closing.


  • Finance a new home in North Florida
  • Build equity instead of wasting money on rent
  • Competitive interest rates
  • Affordable payments to fit your budget
  • Easy efficient processing, from start to closing
  • Conventional and Jumbo Loans
  • FHA, USDA Rural Housing, & VA Loan programs
  • One-time close Construction/Permanent financing
  • Investment/Rental Property programs available
  • Land loans available also

Refinance Mortgages

We also offer refinancing for customers with existing home mortgage loans from another bank or lender. Talk to a Community State Bank lender about getting a lower rate.

  • Refinance your new home
  • Get a lower interest rate
  • Save money with lower monthly payments
  • In-house servicing for fast approvals and efficiency
  • Easy efficient processing, from start to closing