Mortgage Lending

• Waterfront & Flood-Zone Financing – navigating changing FEMA maps, wind-mitigation requirements, and specialized insurance costs.
• Rapid-Growth Markets – helping buyers move quickly in competitive areas like Tampa, St. Petersburg, Brandon, and Sarasota.
• Condos & 55+ Communities – mastering new Florida reserve-fund rules and HOA documentation.
• Second-Home & Investment Loans – structuring terms for seasonal income or vacation-rental strategies.
• Rural & USDA Options – opening doors in the quieter reaches of Hernando, Citrus, and Sumter Counties.

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:

• Loan to purchase your home must close with at least 20% down.
• 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 within 24 months of your closing date.
• 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 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. (Within 24 months of closing date).

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.