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It’s a great time to be a home buyer. Prices are very competitive. Mortgage rates are low. And Community has money
to lend! If you are looking for a fixed rate mortgage, stop in today. From the initial meeting to the final close, we will be
with you every step of the way whether you are buying a new home or refinancing an existing loan. You should know
that Community does not sell the loans it makes. We own and service all our loans over their entire term!
The 15-year mortgage is a very wise choice. The monthly payment is slightly higher, but thousands of dollars of
interest can be saved over the loan’s term. The loan is also paid off in half the time of a conventional 30 year mortgage.
Take a close look at the chart on the right for more specifics.
Home improvements are also a good investment. Community offers Home Equity Loans and Home Equity Lines
of Credit to existing borrowers. Maybe your bathroom or kitchen needs to be updated, those old hardwood floors need
refinishing or your home could really use some new energy efficient doors and windows. We can help you with that!
Trying to save for the first down payment? Community has designed a special CD just for you. Our First-time Home
Buyers CD offers many advantages. See http://www.communitysavingsbank.com/certificates.html for more details.
Whatever loan you may be thinking about, stop in today and talk to one of our counselors.
Arthur Neville
Vice President
Financial services provided for local customers. All
accounts must ©2002 Community Savings Bank and Southward
& Associates
be opened in person. Other terms, conditions and restrictions apply.
For current rates call Total Service Connection at 773.685.3947.
