Mortgage – Purchase and Refinance

Buying or refinancing? Check this out.

Mortgage:

Fixed interest rate
Loan terms up to 30 years
No pre-payment penalties
5% down payment available with the purchase of PMI
85% Loan-to-Value without PMI

Terms	Down payment equity	Rate	APR*	Discount Rate**	Discount Points	Discount APR*
15 Year	5%	5.625%	5.989%	5.375%	0.5	5.813%
20 Year	5%	5.875%	6.169%	5.625%	0.5	5.977%
30 Year	5%	6.125%	6.350%	5.875%	0.5	6.143%

Rates Effective October 27, 2025

* Annual Percentage Rate
** Best rate available at cfsbank.

Above APR’s assume a $100,000 loan amount for term stated with maximum LTV of 85%. Monthly payment example: 360 monthly payments of $6.08 per $1,000 borrowed at 6.125% Interest Rate with a corresponding 6.350% APR.

Above payment example does not include the required payment for escrow (taxes, insurance, etc.).
Other interest rates available. Call your nearest cfsbank Office for details.
Rates subject to change without notice.

First Time Home Buyer Mortgage

Looking for your first home? We’re here to help.

Interest rate will be discounted 0.250% from our current rates
5% down payment available with the purchase of PMI
85% Loan-to-Value without PMI
$250 lender credit for qualified borrower(s)

Apply

General Guidelines for Eligibility:

cfsbank has defined a first time home buyer as anyone who has not owned a home for the past three years from time of application.
The program is limited to the purchase of existing single family homes to be occupied and maintained as a primary residence.

Terms	Down payment equity	Rate**	Points	APR*
30 Years	5%	5.875%	0	6.071%

Rates Effective October 27, 2025

* Annual Percentage Rate
** Best rate available at cfsbank.

Above APR’s assume a $100,000 loan amount for term stated with maximum LTV of 85%. Monthly payment example: 360 monthly payments of $5.92 per $1,000 borrowed at 5.875% interest rate with a corresponding 6.071% APR.

Above payment example does not include the required payment for escrow (taxes, insurance, etc.).
Applicants may not have had an ownership interest in residential real estate within the past three years prior to their loan application date under this program.
Household income limitations apply.
Other rates and terms available.
Interest may be tax deductible. Please consult your tax advisor.
Rates subject to change without notice.

Pathway Home Loan

cfsbank’s way of making homeownership MORE accessible to MORE people by reducing the obstacle of up-front costs!

Our New Pathway Home Loan opens doors for low to moderate income homebuyers, giving them the ability to purchase a new single-family residence with minimal down payments and closing costs.

FEATURES
• 100% Financing
• Owner-Occupied Single-Family Homes & Condominiums are Eligible
• Minimum Borrower Contribution of 1% Required
– Can be met through payment of closing costs, prepaids, and/or the 2-month reserve requirement
– Can be gifted funds
• Competitive Fixed Rate
• No Mortgage Insurance Required
• Competitive Closing Costs

Request Info

First Front Door

First Front Door is a homebuyer grant program available through the Federal Home Loan Bank of Pittsburgh (FHLB)
$1500 contribution is needed from the borrower
Grant Assistance up to $15,000
First Front Door funds can be used for down payment or closing costs
The grant is forgiven if you remain in the home for 5 years
Available to first-time home buyers for a primary residence
Income at or below 80% of the area median income to qualify
First Front Door funds are available on a first-come, first-served basis

Visit FHLB for more information