Mortgage Loans

Consumers Community Difference™ Mortgage

A Consumers Community Difference Mortgage is here to help make your homeownership dreams a reality. Take advantage of the program's low down payment options to make qualifying easier than you might think.


Purchaser Qualification

Income and location based1

Loan to Value (LTV)

Up to 100% on purchases. Up to 90% on rate and term refinances

Interest Rate


Down Payment

0% on purchases2

Private Mortgage Insurance (PMI)

Not required

Minimum Loan Amount


Minimum Credit Score


Additional Details

  • Up to 6% seller contribution allowed, and can be used for closing costs or prepaid items
  • Available for one to two unit owner-occupied properties including single-family, attached or detached, condos and planned unit developments
  • A HUD-approved, pre-purchase homebuyer education workshop or relevant landlord counseling required for first time home buyers.
  • Max Debt to income 48%
  • Min borrower contribution $400.00

Laurie Corbit

Laurie Corbit

Mortgage Loan Originator

Jackson-Belden Office
NMLS: 1370603
Cell: (330) 495-6193
Fax: (330) 479-9378

Apply With Me

Robert Kelly

Robert Kelly

Mortgage Loan Officer
Sales Manager SE Region

Calcutta Office
NMLS: 150023
Cell: (330) 383-1506

Apply With Me

Nick Mascitti

Nick Mascitti

Mortgage Loan Originator

Stark County Market
NMLS: 732979
Cell: (330) 284-2154
Fax: (855) 444-7077

Apply With Me

Daniel Eshler

Daniel Eshler

Vice President
Mortgage Division Manager

Jackson-Belden Office
NMLS: 426033
Cell: (330) 704-8993
Fax: (855) 444-7077

Apply With Me

1Property must be located in a Consumers National Bank Assessment Area and located in a low or moderate income census tracts per Online GIS Maps | PolicyMap Completion of a HUD-approved prepurchase homebuyer education workshop may be required prior to closing. Landlord counseling may be required prior to closing on all two-unit transactions. Borrowers are not permitted to own any other real estate at the time of closing.

2Applies to 1-unit property. 2-unit properties require a 5% down payment.

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. Information and offers are subject to change without notice. All loans are subject to credit and collateral approval. Not all loans or products are available in all states.

Other requirements:

  • Escrow for real estate taxes and insurance are required

We offer the following mortgage loan options:

Construction Loans


Bridge Loans

Conventional/Jumbo Loans

Fannie Mae/Freddie Mac Loans

Use our handy Mortgage Loan Calculator to estimate your payments.