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How Can We Help You?


Financing the perfect home for your family is simple at CB&T.

We'll help you make it home.

We know that a house doesn't really become a home until you stamp your personality on it. Whether you're in the market for a new home purchase or want to refinance your existing home, our Lending Team is ready to help you with a loan that matches your vision.

Our Home Loan Process

Design trends have evolved over the years, but the way we start the home loan process has remained largely unchanged for 70 years. Although we encourage you to begin the mortgage process where and when it's convenient for you by submitting your application online, we still get to know each customer personally.

Click the link below to begin your application today, and then one of our experienced lenders will contact you to discuss your financing options.

Home Loan Options

If you are looking to build a home, refinance your current mortgage, or you are looking to purchase a new home, we have a variety of home loan options to help you!

family stands in new home

Mini-Perm Mortgage Loans

A mini-perm mortgage loan is a financing option that can save you thousands of dollars compared to a fixed-rate mortgage. The average American moves 11.7 times in their lifetime. Is it likely you'll move in the next five to seven years? If so, a mini-perm loan is a smart option for you.

Our loan fees are often as little as $1,200 with no points. Compare that to $4,000 or $5,000 in closing costs for a mortgage through a broker, and you can understand why mini-perms are an affordable and logical option for many home buyers.

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Fixed-Rate Mortgage Loans

Buying or building your dream home and planning to stay for a while? As opposed to the mini-perm loan, the interest on a fixed-rate mortgage loan stays the same throughout the life of the loan. Our experienced lenders can discuss your financial situation to see if a fixed-rate mortgage loan may make the most sense for you.

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couple walks through a new home being built

Interim Construction Loans

Whether you are purchasing a lot in a subdivision, or acreage out in the country, we can help you as you plan to build your new house. Our residential construction loans provide you with flexible terms, and they can easily convert into a permanent mortgage loan, making this a great option for you and your new home.

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Unsure which mortgage is right for you? 

We're here to help! Contact one of our experienced Loan Officers today at 254-753-1521 or visit one of our three convenient locations to discuss your financial situation.

Mortgage Calculator



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Approximate monthly payment is an estimate only. Actual monthly payment will differ.

Payment Date Payment Principal Interest Total Interest Balance
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Payment schedule does not include taxes, insurance and fees

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Please consult a CB&T Loan Officer prior to relying on these results.