Mortgages

Mortgage Options
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Building a Future with Home Loans

Whether you’re buying your first home or refinancing an existing mortgage, the process for home ownership can be complex and time consuming. Lean on the dedicated mortgage professionals at CSE for a less stressful experience and find the mortgage option that’s right for you. We will educate and make sure you understand each step of the process.

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Our Mortgage Options

Take a look at the different types of home loans we offer at CSE and compare the benefits of each. If you’re ready to finance your next home, apply online today or schedule an appointment to talk to one of our lenders.

Please Note: If you plan on applying for a mortgage loan, your credit will be pulled at the start. If you do not want your credit pulled at this time, please schedule an appointment to consult with a lending expert.

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Loan	May be right for you if…	Benefits
Federal Housing Administration (FHA)	You're a first-time home buyer You need more flexibility in qualifying You need a lower down payment option Have student loan debt Have down payment help from a family member	Payments stay the same through the term Maximum loan amounts are determined by property location More flexible seller contributions towards closing costs
Conventional Fixed-Rate	You have strong, established credit and 5%-20% down payment You're looking for a 2nd home or investment property You want Mortgage Insurance options that are flexible (for placing less than 20% down)	Payments stay the same through the term Options to avoid Private Mortgage Insurance (PMI)
Veterans Administration (VA)	You're an eligible veteran You're looking for 100% financing options You have no down payment You're a first-time home buyer You have less-than-perfect credit You have student loan debt	Payments stay the same throughout the term No down payment required Fixed-rate terms are available More flexible seller contributions towards closing costs
USDA Rural Development (RD)	You're looking for 100% financing options You don't have perfect credit 100% Financing with no down payment Property in a USDA designated eligible area You're a first-time home buyer You need a lower down payment option You have less-than-perfect credit You have student loan debt Income is under USDA requirements	Flexible credit guidelines No down payment required More flexible seller contributions towards closing costs

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DO NOT send us Account Numbers, Social Security Numbers, Pin Numbers or Driver's License Numbers via e-mail or Form submissions! Email and Form submissions are not a secure way to send us that type of information.

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All loans are subject to credit approval.

Applying for a loan or credit card product may result in a credit inquiry and the applicants credit score may be impacted.

Upon submitting a loan application, applicants may be required to provide additional documentation to complete the review process. This may include, but is not limited to, one or more of the following: Proof of Income, Recent Credit Card Statements, Verification of Employment, Bank Statements, Proof of Residency or, Housing Documentation.

CSE NMLS#538074