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Buying a Home?

For a limited time, we're offering Buy Now, Refi Later. See details below. 

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Buy Now, Refi Later

Does purchasing a home at today's rates concern you?  Don’t let this impact your decision to buy. Close your loan with Crews Bank & Trust and know that if the rates go down, you can refinance for just $250.  

No appraisal fees. No title insurance fees.  No escrow fees. No recording fees.

If interest rates go down, you have an opportunity to modify your interest rate on your Crews Bank & Trust residential mortgage loan without the costs associated with a traditional refinancing.  Simply redeem the Refinance Certificate with the $250 processing fee.

To qualify for this program:

  • Loans to purchase your home must close between Dec. 15, 2023, and June 1, 2024.
  • At time of refinance, subject loan must not have any late payments of 30 days or more since origination.
  • Refinance Certificate with the $250 processing fee must be redeemed by Dec. 31, 2025
  • Subject mortgage must be in a first lien position.
  • The property must be owner-occupied or a second home; investment properties are not eligible.
  • Loan must have 20% down. 
  • Loan must be serviced by Crews Bank & Trust.

Refinance terms apply to rate and payment. All other terms of the note remain unchanged.

The borrower can choose when to redeem the Refinance Certificate. (The Certificate is valid until Dec. 31, 2025).

The Refinance Certificate is for one-time use.

The Buy Now, Refi Later benefit applies to Crews Bank & Trust purchase mortgages.  The Buy Now, Refi Later benefit is subject to revision or revocation by Crews Bank & Trust at any time without notice. 

Loans subject to credit approval. NMLS #406389


Ready to Apply?

Our online process is simple and secure. Experienced lenders will help you choose the loan that meets your specific needs by providing you with the personal service you’ve come to expect.

Application Checklist

Make applying for a mortgage as easy as possible by reviewing our application checklist. It’s everything you'll need in one location.

Access Checklist

We know how important it is to buy a home you can call your own.

That’s why we offer a variety of mortgage loans with terms that fit your financial needs. Trust in our experienced team to ensure you go home to the home of your dreams.

Loans subject to credit approval. NMLS #406389
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Whether you’re a first-time homebuyer or a seasoned home owner, we offer loan options with competitive rates and flexible terms.

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Jumbo Loans

If you have your sights set on a high-value home, our experienced lenders make it easy to finance your luxury residence.

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When you’re ready to build your dream home, our Construction-to-Permanent Loans will make the process easy with one application and one closing.

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FHA loans provide more flexibility in guidelines and down payment requirements. Plus, they are government insured and can often help with purchasing your home.

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When you want to purchase a residential parcel to build your home on, we can help meet your financing needs.

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Manufactured Homes

Are you ready to buy a manufactured home on owned land? Our mortgage experts are ready to help.

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Investment Properties

Investing in residential homes? We can help with your investment.

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Conventional Loans

For some borrowers, a conventional mortgage might be the best loan option.

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Condo Loans

We offer both warrantable condo loans and non-warrantable condo loans for those condominium properties that don't meet conventional guidelines.

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VA Loans

We proudly offer VA Loans exclusively for Veterans and Military Personnel. Thank you for your service.

We are experts at financing homes in the following housing markets and surrounding areas:

  • Charlotte County

  • Collier County

  • DeSoto County

  • Hardee County

  • Highlands County 

  • Lee County 

  • Polk County 

  • Manatee County

  • Sarasota County

We are particularly experienced in the following local communities:

  • Anna Maria Island
  • Arcadia
  • Avon Park
  • Babcock Ranch
  • Boca Grande
  • Bowling Green
  • Bradenton
  • Burnt Store Isles
  • Cape Haze
  • Charleston Park
  • Charlotte Harbor
  • Deep Creek
  • Ellenton
  • Englewood
  • Fort Meade
  • Gulf Cove
  • Harbor Heights
  • Heron Creek
  • Lake Placid
  • Lake Suzy
  • Lakeland
  • Lakewood Ranch
  • Longboat Key
  • Manasota Key
  • Murdock
  • Myakka River Trails
  • Nokomis
  • North Port
  • Palmetto
  • Placida
  • Port Charlotte
  • Punta Gorda
  • Punta Gorda Isles
  • Riverwood
  • Rotonda West
  • Sarasota
  • Sebring
  • Siesta Key
  • South Gulf Cove
  • St. Armands
  • St. Petersburg
  • Venice
  • Wauchula
  • Wellen Park
  • Winter Haven
  • Zolfo Springs 


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