Mortgage Programs



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We service 98% of the loans we close in house, allowing you to work with people you know through the life of your loan. However, we do provide our customers with the opportunity for FHA, VA, and USDA loans that are serviced outside of CNB. 

Meet Some of the Team

Michelle D

Michelle Detweiler

NMLS# 775835

Phone Number:
(785) 336-5812

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Ian Gudenkauf

NMLS# 522113

Phone Number:
(785) 357-4669

Cell Number:
(785) 554-2022

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Susan Broxterman

NMLS# 775840

Phone Number:
(785) 284-7138

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Ranae Baum

NMLS# 2265444

Phone Number:
(785) 357-4669

Cell Number: 
(785) 633-3877

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Shannon Sneed

NMLS# 1174362

Phone Number:
(913) 416-5156

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Community National Bank NMLS #774778

First-Time Homebuyer Assistance (Not Available at This Time)

Community National participates in the Homeownership Set-Aside Program (HSP). The Homeownership Set-aside Program (HSP) provides down payment, closing cost and repair assistance to first-time homebuyers earning at or below 80% of the Area Median Income (AMI) for households purchasing or constructing homes in Colorado, Kansas, Nebraska and Oklahoma. The HSP is provided to households as a forgivable grant with a five-year retention period. 

Fixed Rate Mortgage

This is the most common type of mortgage program. A fixed rate mortgage offers a very stable monthly interest and principal payment. We offer very competitive fixed rate mortgages while maintaining customer service throughout the life of the loan.

Balloon Mortgage

In some instances, the traditional fixed rate residential mortgage does not fit a borrowers financial situation. In those cases, we offer amortizing mortgages with a balloon payment. Balloon loans are short-term mortgages that have some of the same features of a fixed rate mortgage. This loan provides a level payment feature during the term of the loan, but as opposed to the fixed rate mortgages, balloon loans do not fully amortize over the original term. Balloon loans are popular with those expecting to sell or refinance their property within a definite period of time.

Jumbo Loan

Are you in need of a large loan? Our jumbo loan allows for a financing that is larger than what Fannie Mae guidelines allow.

Construction Loan

Whether you’re building a new home or adding on to the old one, you’ll probably confront a roomful of construction details. Ease the load and let us help by creating the perfect financing plan for your new project.

Bridge Loan

Is it time to purchase a new home, but you have not sold your existing home yet? We offer swing loans to facilitate the buying of a new property prior to the sale of an existing property.

Lot/Land Loan

Lot/land loans are used to finance the purchase of a developed piece of ground for the purpose of construction at a later date.

VA Mortgage

Loan options exclusive to qualifying veterans of the Armed Services, those currently in active duty or the reserves, and widows and widowers of veterans.

FHA Mortgage

A Federal Housing Administration (FHA) mortgage is a loan that is government-insured and backed by the FHA.

USDA Mortgage

Geared towards home buyers who live in rural areas who have low to moderate income and no down payment.

Home Equity Loan

A home equity loan lets you borrow a fixed amount of money based on your homes equity. Using your home as collateral, this loan is paid off at a fixed rate through the term of the loan.

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