Community First Bank for loans, mortgages in Fairview Heights, Swansea, Belleville, O'Fallon

Community First Bank offers low cost construction loans
featuring...

No application fee
80% Loan to Value (LTV)*
Six month maturity (may be extended at maturity)
Interest payable only on the loan amount disbursed
Owner pre-approves all loan draws
All loan draws are handled through a qualified title company
No fee for pre-qualifying construction loans
Permanent mortgage financing is available through Community First Bank

*Over 80% LTV requires credit enhancements.

Community First Bank Application Checklist ...

Two (2) year's W-2's from all income sources
If self-employed - two (2) year's federal tax returns; including all schedules; personal and business. Also, a year-to-date profit and loss statement.
Most recent pay stubs covering 30 days
Mailing addresses for last 2 years
Name, phone and mailing address of landlord for last 2 years
Last month's bank statements - checking, savings or signed printout from bank as well as documentation on any IRAs, CDs, Mutual Funds, Stocks, Annuities and 401Ks
Divorce decree if applicable
Signed construction contract
Signed offer to purchase lot, if applicable
Title policy on lot if already owned
Plans and specifications from builder
Contractor's disbursement affidavit
Bid for any work not provided in builder's contract
Check to cover cost of appraisal

The Fast & Friendly service you receive at Community First Bank will make financing the least of your worries!

Make the Right Choice... Community First Bank!

Call today (618) 234-9500. We look forward to being of service to you!

Community First Bank provides banking services for Fairview Heights, Swansea, Belleville, O'Fallon, Shiloh and the Metro-East St. Louis area. Personal services include checking, CDs, savings & investments and loans. Business services include checking, CDs, loans and other business services. We also offer online banking. Other services include the CFB Debit/ATM Card, safe deposit boxes, telephone banking and credit card services. See our rates for interest bearing accounts.

Community First Bank will NEVER ask you to verify your account information online, nor will we request this information through email. Community First Bank will not ask you to supply any account information or personal information by phone or email. Any official requests for sensitive information will be written on bank letterhead. If you are in doubt regarding the validity of a request for information, please feel free to contact the bank directly for confirmation. If you think you are a victim of identity theft or if you are solicited for information, please contact the bank immediately at (618) 234-9500.