Speciality Loans

Loan products that make sense for your needs.

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CIBM Affordable Loan Program

Allows borrowers with low to moderate income criteria or those purchasing in trageted census tracts, to receive a special rate and term. This includes reduced closing cost and mortgage insurance. The borrower must complete home buyer education.

Bridge Loans

Are you looking to buy a home, but your existing home hasn't sold? Bridge loans are temporary loans, secured by your existing home, that bridge the gap between the sales price of a new home and the homebuyer's new mortgage in the event the buyer's existing home hasn't yet sold before closing. In other words, you're effectively borrowing your down payment on the new home.

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CIBM Portfolio Loans

These are specialty programs. We offer in-house products for borrowers who are not eligible for traditional mortgage loans. Minimum down payment of 20% or more are required. These loans are eligible for a rate discount of up to .25% by opening a eligible CIBM Checking account.