CSB, ICBA Offer Tips to Help Simplify the Homebuying Process

June 17, 2024 Nicole Swann, nicole.swann@icba.org, 202-821-4458

Citizens State Bank/ICBA Offer Tips to Simplify the Homebuying Process

New Castle, IN (June 17, 2024)—In recognition of National Homeownership Month, Citizens State Bank and the Independent Community Bankers of America (ICBA) are encouraging consumers to consult their local community banker about how to make the homebuying process simple, efficient and more affordable.

“Owning a home is a major purchase and an important component in building financial independence,” said Brock Davis, Chief Banking Officer at Citizens State Bank. “We want to make what can be a lengthy and complex process as effortless as possible and walk you through what to expect so you can assess your needs and find suitable options to finance your first or forever home.”

Whether you are refinancing or purchasing your home, CSB can help you determine:

  • The ideal loan amount and products to meet your budget considerations. We can review the mortgage process in detail and flag ideal programs and loan features.
  • How mortgage rates, terms, and related expenses (including property taxes and insurance premiums) affect payments. This will help you set a home budget and manage your homeownership expenses.
  • Your rights and obligations under your mortgage contract. Today’s consumers have many financing options—each with unique stipulations outlined in the fine print.
  • Suitable government-sponsored programs. In addition to federal homeownership and home-buying assistance programs, we can recommend state, local government, and specialty programs for consideration.
  • Additional resources to help create a budget and set financial targets. We can help you find homebuyer seminars and other helpful resources. Free online educational tools can also be found at hud.gov.

“For many Americans, homeownership helps strengthen community roots, establish financial stability, and create generational wealth,” said ICBA President and CEO Rebeca Romero Rainey. “As relationship lenders, your local community bank can shepherd you through the process and improve your outlook as an informed buyer.”

For more information on how CSB can support your homeownership needs, visit us at www.mycsbin.com or contact us at 888-529-5450.

About Citizens State Bank
Citizens State Bank is a fourth-generation family-owned community bank that has offered personal and business financial services in Central Indiana since 1873. Our mission is to help our clients, co-workers, and communities succeed. We believe every client deserves to have a banker they can count on, and we are committed to being a responsible, knowledgeable banking partner. To learn more, call 888-529-5450 or visit www.mycsbin.com. Discover the difference a local bank can make.

About ICBA
The Independent Community Bankers of America® has one mission: to create and promote an environment where community banks flourish. We power the potential of the nation’s community banks through effective advocacy, education, and innovation.

As local and trusted sources of credit, America’s community banks leverage their relationship-based business model and innovative offerings to channel deposits into the neighborhoods they serve, creating jobs, fostering economic prosperity, and fueling their customers’ financial goals and dreams. For more information, visit ICBA’s website at icba.org.

The views, information, or opinions expressed in this article are solely those of the author and do not necessarily represent the views of Citizens State Bank and its affiliates, and Citizens State Bank is not responsible for and does not verify the accuracy of any information contained in this article or items hyperlinked within. This is for informational purposes and is no way intended to provide legal advice.

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