Mortgage Center

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Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Click Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed.
  3. A Community Bank & Trust of Florida Mortgage Officer will contact you to answer your questions.

Our goal is to provide home buyers in Gainesville, Ocala, The Villages, and beyond with the highest level of service at competitive mortgage rates. As a local mortgage lender, our home loan specialists are only a phone call away if you need hlep. Contact us with your home loan Questions at 888-388-1007.

Quick Quote

Quick Quote

Mortgages for Home Buying or Refinancing

Whether you’re buying your first home or want to refinance your existing mortgage, Community Bank & Trust of Florida offers mortgage loans that fit a variety of needs. We understand that each person or family’s needs are different, so we deliver our mortgage solutions in a very personal way. Our Mortgage Officers are with you from the start to help you choose the best option, and they stay with you every step of the way from application to closing. All loans subject to credit approval

Community Bank & Trust of Florida has delivered customer-driven quality since 1998. When you choose a local mortgage lender, you reap the benefits of community banking: flexibility, local decision-making, and profits that go to Main Street instead of Wall Street. Whether you live in Gainesville, Ocala, The Villages, or any of the other north central Florida communities we serve, our Mortgage Officers are experienced and knowledgeable about your local real estate market.

What type of home loan is right for you?

A mortgage is not a one-size-fits-all loan. Community Bank & Trust of Florida offers two types of mortgages. The best choice for you depends on your personal situation, how long you plan to stay in the house, and your other home-ownership goals. Our mortgage lenders are always available to help you understand and choose from your options, including mortgage purchase or refinance, construction/permanent mortgages, jumbo mortgages, manufactured home on your lot, FHA/VA/USDA loans, and lot loans (on platted subdivision lots).

Fixed Rate Mortgages

This type of residential loan makes budgeting easier by locking in your mortgage interest rate and payment amount for the life of the loan. Monthly payments are predictable and unchanging. A fixed rate mortgage is a great choice if you’re planning to stay in your home for a long time or if you want to protect against a future interest rate rise. Fixed rate mortgages are also known as conforming loans because they meet certain Federal home lending guidelines. These include the size of the loan, repayment term, down payment amount and the borrower’s credit qualifications.

Adjustable Rate Mortgages (ARMs)

ARMs can give you access to a local lender and provide flexibility with different types of properties. They work by locking in your interest rate and payment amount for an initial period of time. Afterward the interest rate and payment amount may adjust up or down depending on current rates. This kind of mortgage loan may be a good fit if you don’t plan to stay in your home for a long period of time.

Is Refinancing Right For You?

Generally, it’s a good idea to consider refinancing to reduce your interest rate and/or term. Or to obtain cash for other uses. Our mortgage officers can help you assess whether or not refinancing can help you reach your current financial goals.

Want to learn more about CBTFL’s mortgage loan options for our north central Florida communities? Contact us to speak with a local lender.

Today's Rates

30 Year Fixed
 Rate  APR  Points
 4.125%  4.181%  0.000%
15 Year Fixed
 Rate  APR  Points
 3.625%  3.723%  0.000%
5/1 ARM Variable
 Rate  APR  Points
 4.240%  4.377%  0.000%

Personalized Quote