There are a number of reasons to consider refinancing the loan on your home. Some people refinance as a way of taking advantage of lower interest rates, enabling them to reduce their monthly mortgage payments. Some refinance to a shorter-term mortgage, which enables them to build equity in their homes faster. And some homeowners refinance to tap into the equity they've accumulated in their houses, using the funds for home improvement or other needs, such as debt consolidation or their children's education.

Do you want to take advantage of these benefits, but wonder if refinancing will be worth the time and money you'll need to invest? Do you feel unsure about the entire refinancing process?

Don't worry. The refinancing process is very simple. It involves paying off your existing mortgage loan and taking out a new one on the same house. Your new mortgage loan could be at a more attractive interest rate, or for a different term. Or, you could get an entirely different type of loan — for example, you could switch from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage.

One of the great benefits of refinancing you home loan with Community State Bank is our ability to service your loans locally.

Local Servicing provides customers with a better lending experience. From the time you begin the loan process until the day your loan is paid in full, we are here to serve you. All of your questions, payments and lending needs can be taken care of right inside the bank.