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Mortgages for Home Buying or Refinancing



Whether you're buying a home or want to refinance your existing mortgage , Community Bank & Trust of Florida may have a loan that will meet your needs. And understanding that each person's needs are different, we deliver our mortgage solutions in a very personal way. Our Mortgage Officers are with you from the start, helping you to choose the best option and stay with you every step of the way from application to closing. All Loans Subject to Credit Approval.

» Mortgage Rates «

Types of Home Loans


Not all mortgages are the same. There are different home loans to choose from and the best choice depends upon your personal situation and objectives.

Fixed Rate Mortgages:


This type of residential loan makes budgeting easier by locking in your mortgage interest rate and payment amount for the life of the loan. It can be ideal if you're planning to stay in your home for a long time or if you want to protect against a future interest rate rise. Fixed rate mortgages are often what is referred to as conforming loans, meeting certain Federal home lending guidelines. These include the size of the loan, term, down payment amount and the borrower's credit qualifications.

Adjustable Rate Mortgages (ARMs):


An adjustable rate mortgage can give you access to a local lender and can provide flexibility with different types of properties. You may lock in your rate and payment for a specific period of time initially and after that the interest rate and payment amount may adjust. This kind of loan may be a good fit if you don't plan to stay in your home for a long period of time.

Mortgage Purchase or Refinance
Construction/Permanent Mortgages
Jumbo Mortgages
Manufactured Home On Your Lot
FHA/VA/USDA Loans
Lot Loans (on platted subdivision lots)


Wonder how much home you can afford
or what your payments might be?
» Use our handy mortgage calculator «

» Home buying tips «



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Ocala (Main Office)
1603 SW 19th Ave.
Ocala, FL 34471-3136