TEATTENTES Make yourself at home with our no closing cost mortgage. Whether it's your first home or your sixth, we can help make the buying process much easier with our no closing cost mortgage: True to its name, you pay no closing costs. That alone can reduce your upfront costs on a new home by thousands of dollars. Visit us at cbna.com/noclosingcosts to download your free Homebuyer's Kit, prequalify, or apply online today. Community Bank Scan to apply today! COSO Equal Housing Lender | Member FDIC The No Closing Cost option is valid on most owner occupied, 1-4-family residential properties. Property and hazard insurance are required and are the responsibility of the borrower. For mortgages with less than 20% down payment, Private Mortgage Insurance (PMI) is required and customer is responsible for PMI premiums. Other applicable fees/charges, including deed stamps or deed transfer taxes, are not mortgage closing costs and will not be paid by the Bank. If a customer elects to obtain owner title insurance, the customer is responsible for the owner title insurance premium. Condominiums and single-wide mobile homes are not eligible for a no closing cost mortgage. Double-wide mobile homes are eligible for the no closing cost mortgage only if 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 will not pay for a survey, nor any other item that is 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 TEATTENTES Make yourself at home with our no closing cost mortgage . Whether it's your first home or your sixth , we can help make the buying process much easier with our no closing cost mortgage : True to its name , you pay no closing costs . That alone can reduce your upfront costs on a new home by thousands of dollars . Visit us at cbna.com/noclosingcosts to download your free Homebuyer's Kit , prequalify , or apply online today . Community Bank Scan to apply today ! COSO Equal Housing Lender | Member FDIC The No Closing Cost option is valid on most owner occupied , 1-4 - family residential properties . Property and hazard insurance are required and are the responsibility of the borrower . For mortgages with less than 20 % down payment , Private Mortgage Insurance ( PMI ) is required and customer is responsible for PMI premiums . Other applicable fees / charges , including deed stamps or deed transfer taxes , are not mortgage closing costs and will not be paid by the Bank . If a customer elects to obtain owner title insurance , the customer is responsible for the owner title insurance premium . Condominiums and single - wide mobile homes are not eligible for a no closing cost mortgage . Double - wide mobile homes are eligible for the no closing cost mortgage only if 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 will not pay for a survey , nor any other item that is 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