Mortgage Loans & Programs
Your New Home Awaits
At CommunityAmerica, we’re committed to helping you secure the mortgage that is meant for you. We understand buying a home is a significant financial decision, and our experienced and knowledgeable Mortgage Advisors will guide you every step of the way. As a proud local lender, we offer flexible mortgage options with competitive interest rates to suit your individual needs.
Whether you’re a first-time homebuyer, building your dream home or wanting to refinance, we’ll tailor a mortgage solution that works for you. Our dedicated Mortgage Advisors will take the time to understand your unique needs to help you find the correct loan.
Our Top Mortgage Programs
Mortgage Loan Refinance
Refinance your existing loan to lower your rate, adjust your term, or access your home’s equity with flexible options.
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Conventional Mortgage Loan
Traditional fixed-rate or adjustable-rate mortgage loan offering as little as 3% down for well-qualified buyers.
First-Time Homebuyer Loan
Our signature program for first-time homeowners featuring an adjustable rate and down payment options as low as 0%.
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FHA, VA and USDA Loans
Government-backed programs with more flexible options for those who qualify. Contact us to see if you'd qualify.
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Construction-to-Permanent Loan
One-time-close loan that begins as a construction loan and converts to a traditional mortgage once construction is complete.
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Jumbo
Specialized financing for higher loan amounts, offering flexibility for luxury home purchases.
Bridge
Short-term financing that helps you buy a new home before selling your current one.
Medical/Dental
Exclusive program for medical and dental professionals, with up to 100% financing.
Mortgage Loan Add-Ons
Lock and Shop
Secure your interest rate while you search for the right home.
Extended Rate Lock
Lock in your rate for up to 360 days for peace of mind.
Preferred Builder
Work with an approved builder for potential benefits.
Rate Float Down
If rates drop before closing, you can secure a lower rate.
Buy Down Programs
Reduce your interest rate upfront with a buyer or seller-paid option.
Bi-Weekly Payment
Make smaller, frequent payments to reduce interest over time.
Recast Options
Re-amortize your loan after paying down $5,000 in principal.
Equity Transfer
Easily transfer homeownership from one person to another.
