Real Estate Loans

At Central State Bank, our Loan Officers can help you identify and understand all of your mortgage options. Contact a Loan Officer at one of our branches today for more information.

First Mortgages

  • Home purchases or refinances for residential properties.
  • Balloon or ARM products designed to fit your needs.
  • Conventional or Jumbo loans available.
  • Quick turn around time.

 

Construction Loans

  • Various terms available.
  • Quick turn around time.

Home Equity Line of Credit for ...

  • Consolidation of other debts
  • Home repairs, improvements, expansion
  • Finance a new car, boat, or recreational vehicle
  • Unplanned emergencies
  • Benefits of Home Equity Line:
    • Easy Access
    • Readily Available
    • Tax deductible interest (Check with your tax advisor for certain restrictions)
    • No Penalty for early prepayment
    • No Required minimum draw or minimum loan balance
    • May pay extra principal at any time without penalty
  • Flexible terms available
  • Quick turn around time.

Application

Uniform Residential Loan Application

Once you have downloaded and completed the application, please send it to the bank using a secure method. If you have any questions please contact your loan officer.

For long term, fixed rate financing options, please contact Central State Mortgage using the contact information listed below.

2815 Greystone Commercial Blvd.
Birmingham , Al. 35242

Phone (205) 981-6555

Fax (205) 981-6533

Located on Hwy 280 in the Issis & Sons shopping center.

 

Central State Mortgage offers a combined service experience of over 40 years. Our Mortgage Experts make financing your home simple and will provide a mortgage loan to suit your needs.

We offer all types of mortgage options, for both purchasing Homes and Re-financing your current mortgage.

Some Mortgage programs available are:

  • FHA
  • VA
  • USDA LOANS
  • LONG TERM FIXED LOANS AVAILABLE
  • DEBT CONSOLIDATION MORTGAGES
  • ADJUSTMENT RATE MORTGAGE LOANS
  • JUMBO LOANS
  • And many other programs

We can pre-qualify you in a half-hour or less by phone if needed.

Call us today to discuss the options we can offer.

Open Monday - Friday | 8:30 a.m. - 4:30 p.m.