Time for a bigger space or better place? No closing cost mortgages are here. If your household is growing or you just want to upgrade your nest, we can help you save big with a no closing cost mortgage. The savings can add up to thousands of dollars. Stop into any branch or visit us online to learn more about a no closing cost mortgage or any of our other affordable housing programs. CBNAmortgage.com Communiy 5S Bank 150 YEARS N. A Equal Housing Lender | Member FDIC PERSONAL BUSINESS WEALTH Valid on owner occupied 1-4-family esidential properties Property and hazard insurance are required and are the responstty o the borrower. For mortgages with less than 20% do n payment, Private Mortgage Insurance PMI is required and customer is respons ble for PMI premiums Other applicable fee charges, including deed stamps o deed transfer taxes are not mortgage closing costs and will not be paid by the Bank. s customer elects to obta owner title insurance, the customer is responsible for the owner titie insurance premium. Single-wide mobile homes are not eligible for a no closing cost mortgage. Double-wide mobile homes are eligible for the ro closing cost mortgage only i permanently attached to a foundation. Should the no closing cost mortgage be closed or discharged within the first three years, the Bank may collect the third-party closing costs from the customer that were waived when the loan was opened. If a customer selects an attorney to represent him/her, customer is responsible for attorney fees, Community Bank wll not pay for a survey, nor any other item that ordinarily paid for by the seller. ADDITIONAL NO CLOSING COSTS PRODUCT DISCLOSURE: "No closing costs" means no: origination fee/points; application fee; flood check fee; credit report fee; appraisal fee; mortgage recording fee; abstract update or title search fee; lender title insurance fees bank attorney fee; mortgage recording tax