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Great news for first-time home buyers!

Community Bank & Trust has partnered with the Federal Home Loan Bank of Des Moines to offer $5,000 Home$tart® grants to be used for down payment or closing cost assistance to qualified first-time home buyers!

The CBT Home$tart® grants are:*

    •   $5,000 each.
     •   Awarded on a first come, first-served basis.
    •   Restricted to first-time home buyers. (If you're a couple purchasing a home, one of the borrowers must be a first-time home buyer)
    •   Eligible for use on fixed rate and adjustable rate mortgage (ARM) products.

*Do not need to be a CBT client. Household income must meet qualifications. Grant approval by FHLB Des Moines.


Tina Hummel, Branch Manager

Tina Hummel, Mortgage Expert

NMLS# 729952

319.433.4991 |

If you've started to look for a home and are unsure how much you can afford, getting pre-qualified can give you an idea of your buying power.

From choosing the right home and understanding your mortgage options, to saving money and exploring if refinancing makes sense for you, partner with a local mortgage lender that you bank on - Community Bank & Trust. No one will work harder, or smarter, for you, than our CBT mortgage experts. Let us put our industry experience to work and provide you with thorough advice, responsive service, and customized solutions. That translates to peace of mind.

Full Service Mortgage Lending

As a client of Community Bank & Trust, you can expect:

  • Fixed rates
  • Adjustable Rate Mortgages (ARMs) 
  • VA Loans
  • FHA Loans
  • Construction Loan Financing
  • Refinancing
  • Bi-weekly repayment plans available
  • FREE pre-qualification loan process


For today's rates or any questions regarding refinancing and mortgage options, please contact our Kimball office at 319.235.6709.