Community Bank,N.A

THE BEAUTIFUL ADIRONDACKS

Looking to buy your first home or a vacation home?

WHEN BUYING A HOME, IT PAYS TO WORK WITH A HOMETOWN BANK.

Loans made easier. It may feel a bit overwhelming, especially for first-time homebuyers. But not to worry, we’ve done this before—many times. Our loan officers are committed to making the process as easy as possible. Remember, all loans are handled locally, by bankers who know the area.

When you’re ready to buy a home, the first thing you should be armed with is knowledge of your credit and financial history. To get prequalified, you’ll need to demonstrate a responsible financial history and that you’ve saved enough for a down payment. Knowing this and ensuring that all issues are rectified will allow you to be in the best position to get the home you want.

A prequalification certificate for a mortgage will let you know how much house you can afford. These days, many Real Estate Agents won’t show houses without one.

Creating a detailed budget of all income sources and livings expenses will also help you know how much house you can afford. You should factor in expenses beyond the mortgage: property and school taxes, home maintenance costs, homeowner’s insurance, and more. Don’t forget to include any outstanding debts and your plan to pay them off.

Becoming acquainted with the different kinds of mortgages will help you explore your options. There are many options out there beyond the traditional— like our no closing cost mortgage* option. We can help you choose the most appropriate mortgage for your situation.

With Community Bank, N.A., you will have a lending specialist who takes the time to explain every step of the process and gets to know you. You’ll make decisions together that will impact your future. So choose us, an expert and partner you can trust.

APPLY FOR YOUR NEXT MORTGAGE ONLINE

Scan the QR code to get started or visit cbna.com/mortgage to explore our family of mortgage products, prequalify, and apply online today.

Mortgages of all shapes and sizes.

Our approach is to lend local and decide local. That means loan decisions are made at the branch level, by people who understand the area and its unique opportunities or challenges. Yet we’re big enough to o er all the guidance you’ll need and a full range of financial services and products.

PRODUCTS AND SERVICES

• First-time homebuyer programs • No closing cost mortgages* • Fixed-rate loans • Mortgage refinancing • Home equity loans and lines of credit • New construction and renovation loans • Flexible portfolio mortgage programs • A ordable housing programs • Conventional and secondary market loans • Property investment loans • Land loans • Double and single-wide mobile home loans • Government and a ordable housing programs • Insurance and other products

NO CLOSING COST MORTGAGES *

We can save you a great deal in upfront costs on your next home. Whether your household is expanding or you just want to upgrade your nest—the savings on no closing costs can easily add up to thousands of dollars.

Alex Nenno, NMLS# 1804677 Mortgage Loan Consultant alex.nenno@cbna.com 518-523-6500

2166 Saranac Ave Lake Placid, NY 12946 1

Organize your finances

Make a budget that works for you and stick to it.

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Get prequalified

Sellers feel comfortable when they know you’re ready.

Assemble your team

Mortgage lender. Real estate agent. Attorney. All playing for you.

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House hunting

This is the fun part. But take your time. It’s a big deal.

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Fund and close Cross the T’s, dot the I’s and trust your team.

Jump for joy

Happy dance subject to ability.

All loans and lines are subject to credit approval. *