Mortgage Specials to Help You MOVE Right In!

If you have been waiting for the “right time” to buy, build, refinance, or renovate your home, we can help you get started today!

Brown County State Bank has been serving our communities for generations, and we would love to show you why we're known as Downstate's Leading Mortgage Lender.

Visit with us today to find out if you're eligible for exclusive, limited- time offers (click each link below for additional offer details and contact us today to learn more):

$2000 Mortgage Credit

Mortgage Credit Valued at $2000.00* 

Visit with us today to out if you are eligible for this limited-time offer. 

 

*To qualify for this mortgage credit offer valued at $2,000.00, the property must be for a primary residence located in an eligible county and borrowers must meet income requirements. Credit to be applied to LLPA’s, Rate and/or lower PMI as is determined by BCSB at time of underwriting and rate lock. This offer is only available for secondary market conventional purchase or rate/term refinances. Excludes FHA, VA, Rural Development and cash-out refinances. Offer is subject to credit approval. Valid only for loans with an application date (Property Identified) on or after April 1, 2019. Property must be specified prior to November 1, 2019, and loan must close no later than December 15, 2019. For a list of eligible counties, requirements, and complete details please visit with a BCSB Mortgage Lender today.

Looking to buy, build, or refinance? 

We retain and service our loans locally.

Mortgage Coupon Valued at $500 when you finance a home with Brown County State Bank. Visit your lender today for complete details.

 

This offer is subject to credit approval and valid for applications received through September 30, 2019. Coupon will be applied at the time of loan closing. This offer is not available for loans where an appraisal is not required by the Bank. Offer is only available for residential loans, excludes all Home Equity Loans and Bridge Loans. When used for construction loans, coupon will be applied at the time of permanent financing through Brown County State Bank. Contact a BCSB Lender for full details. No cash value. 

Looking to renovate, take a vacation, or consolidate bills?  Ask us about our Home Equity Line of Credit Special featuring a low introductory rate with no closing costs*!

 

*This Home Equity Line of Credit offer is subject to credit approval and valid for applications received through September 30, 2019. Property, title and flood insurance, if applicable, are required. Estimated closing costs range from $100.00-$200.00, but will be waived if you apply by June 30, 2019. If a recent appraisal has not been completed by BCSB, an appraisal fee up to $475 may be applicable and not included in fees that may be waived. An annual fee of $24.00 will be assessed after the first year. Consult a tax advisor for tax deductibility. The introductory Annual Percentage Rate (APR) of 4.45% is based on a $30,000.00 loan amount that will remain fixed for six months and will vary thereafter. The variable APR will be indexed to the Prime Rate as published in the Wall Street Journal (currently 5.50% as of 4/17/19) plus a margin of 1% and is subject to change monthly on the anniversary of the account. The current non-introductory APR based on the current index would be 6.5%. Pricing will not exceed a rate cap of 18% nor will it go below a rate floor of 5.5%.

Ready to Build?  Check out our Construction Loan Special!

4.62% APR* (Annual Percentage Rate) for 9 Months

4.45% Interest Rate for 9 Months

 

*This Construction Loan offer is subject to credit approval and valid for applications received through September 30, 2019. The 4.62% Annual Percentage Rate (APR) is for customers who commit to refinancing the construction loan into permanent financing with Liberty Bank, have a Liberty Bank checking account, and is based on a $400,000.00 loan amount.   Amount financed not to exceed LTV ratio of the lesser of 80% of appraised value or 100% of cost. Borrowers may be asked to pay other third-party fees associated with the construction loan as applicable: appraisal fee, flood determination fee, credit report fee, title insurance, courier fee, hazard insurance, county recording fee, progressive inspection fee, construction escrow account fee and standard Brown County State Bank construction loan cost. A construction loan is 9-month interim financing used to finance the building process of residential properties only. Interest payments may be due during the interim financing period; however, principal and interest are due at loan maturity. When your home is approximately 30 days from completion, contact your construction loan officer about your permanent financing options. Extension or renewal rates may vary thereafter.

Please call or better yet, stop by any of our locations at your convenience. We look forward to the opportunity to be your mortgage lender and hope to see you soon!