KCB Bank offers a variety of home loan programs to meet your needs (home refinance or home purchase).  We work with the leading lenders in the industry to provide: 

 
USDA Rural Development Loans
Conforming 30 Year Fixed Rate
Conforming 15 Year Fixed Rate
FHA
VA
Bank Portfolio Loans

USDA Rural Development Loans

Helping families in rural communities receive competitive fixed rate home loans.  The USDA Guaranteed Rural Housing Loan Program requires zero down payment with low monthly mortgage insurance (monthly guarantee fee), flexible credit and qualifying guidelines as well as a competitive interest rate fixed for 30 years.  No down payment required.  640 minimum credit score.  Nontraditional credit histories may be eligible. 

Term: 30 years  
 

Subject to "adjusted" income limits and property eligibility.  


Conforming 30 Year Fixed Rate

The interest and principal payment is fixed for 30 years.  The current maximum loan amount is $417,000. 

Term: 30 years   Maximum Amount: $417,000
 

Down payment of 5% required.  Minimum credit score 640.

 


Conforming 15 Year Fixed Rate

The interest and principal payment is fixed for 15 years.  The current maximum loan amount is $417,000.

Term: 15 years   Maximum Amount: $417,000
 

Down payment of 5% required. Minimum credit score 640.

 


FHA

The interest and principal payment is fixed for 30 years. 

 

Down payment of 3.5% required.  Minimum credit score 620.

Upfront mortgage insurance premium (UFMIP) is required along with a monthly mortgage insurance premium. 

 

 

Term: 30 years  

VA

The interest and principal payment is fixed for 30 years.  Product available to eligible veterans.  

 

No down payment is required (100% financing) and no monthly mortgage insurance.  Minimum credit score 620.

Term: 30 years  
 

 


Bank Portfolio Loans

Short term loans for 1-4 unit properties.  We offer a 15 year fixed product, 62 month ARM note and 62 month balloon mortgage note  up to  20 year amortization.

New construction loans for primary residences.  Twelve month term.



KCB Bank is an Equal Housing Lender and member FDIC