Are you looking to buy or build a home?  Maybe you would like to refinance your existing mortgage, but are not sure which mortgage product is best for you. Clearfield Bank & Trust Company can help with a wide variety of mortgage products to fit your needs.

We have a special program specifically for First Time Home Buyers.  With rebates on all of your bank fees, you could be reimbursed up to $600.00 upon closing your loan.  With competitive rates and terms up to 30 years, we can help find a payment that fits your budget.  This special program also requires as little as 0% - 5% down payment and may include closing cost assistance up to $2,000.00 for those who qualify. 

Clearfield Bank & Trust Company has also become an approved local lender for the Pennsylvania Housing Finance Agency.  If your household income falls within the County Guidelines, you may qualify for a low, fixed rate 30 year mortgage with only 3% down payment required.  In addition, you may qualify for closing cost assistance up to $2000.00. 

Are you ready to build the home of your dreams? Whether building a traditional home or purchasing a manufactured house, we can place you in a fixed or adjustable rate mortgage product that works best for you.  A fixed rate means the loan rate never changes throughout your payback time.  An adjustable rate fluctuates based upon a pre-determined index.  Contact one of our friendly officers to help you through the process.

Perhaps you are looking for a traditional mortgage. With competitive rates and flexible terms, we may be able to provide you with a fixed or adjustable rate mortgage.  Our loan officers can work with your budget to find a repayment plan that suits your needs.

Do you already own your home? Use the equity in your home to consolidate debt, remodel your home or escape on a much-needed vacation. Equity is defined as the difference between the value of your home and what is owed.

You may qualify for an Open End Line of Credit, which allows for future borrowing.  You use the balance, make payments and have more to spend again.   Or select a traditional installment loan, which provides you with a fixed monthly payment.  Clearfield Bank & Trust Company gives you the option. 

Please e-mail your inquiries to: support@cbtfinancial.com or contact one of our  community offices for more information.  Find peace of mind working with community people you know.  We’re your local bank, helping you from start to finish.