Your Private Mortgage officer will ensure your needs receive prompt attention from an experienced lending team that understands the local market and the products, services and special programs[cite::144::cite] [cite::145::cite] available to you.

Permanent Mortgage Financing

• Conforming, jumbo and portfolio mortgage loan[cite::163::cite] products
• Access to multiple programs for the best possible rate structures 
• Primary residence, second home, and investment property financing 
• 10-, 15-, 20- and 30-year fixed-rate mortgages
• Interest only, adjustable rate mortgages (3/1 ARM, 5/1 ARM, 7/1 ARM)

As a Private Banking client, you will enjoy discounted pricing for: 

• Hybrid adjustable rate mortgages (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
• Reduce rate by 0.125% with automatic repayment of a mortgage loan from a CB&T deposit account
• Relationship pricing discount of .125% to rate may be available on certain portfolio products

Construction/Permanent One-Time Close Loan Program

Construction Phase

• One application, one closing 
• Financing for owner-occupied primary and secondary homes
• Fixed-rate, interest-only payments throughout the construction phase
• Up to 24 months to build, with rate protection
• Local servicing on construction draws
• Private Banking relationship pricing discount of .125% to rate may be available on certain portfolio products

Permanent Phase

• Adjustable rate option available
• Interest rate locked up-front