Residential Mortgages

We can help you take advantage of various government-guaranteed loan programs that can provide you with solutions today, not tomorrow.

Chickasaw Community Bank is excited to help you navigate the mortgage process. We take pride in our mission of Building Better Lives and one way we live out this mission is by helping you achieve your homeownership dreams. We have access to a variety of lending products that can help you build, purchase, renovate, or refinance your home. We have many options to help with your mortgage needs.

Do you already have a loan that is serviced by Chickasaw Community Bank? Access the Chickasaw Mortgage Service Portal to make a payment, check your payment history, review your escrow transaction history, request a payoff statement and more.

Native American HUD-184

The HUD-184 loan program was created by the Housing and Community Development Act of 1992 to address the lack of mortgage lending in Indian Country. HUD-184 loans are offered exclusively to American Indians, Native Alaskans, Native Hawaiians, or members of a federally recognized tribe. Among the many benefits of a HUD-184 loan are low down-payments, competitive interest rates, and lower credit scores than many conventional loans. Additionally, the property can be on or off native lands.

As a 100% tribally owned bank, Chickasaw Community Bank is proud to be involved in tribal lending, and we’re a leading provider of HUD-184 home Loans. Our team of skilled and dedicated professionals is ready to help you navigate the lending services process. Speak with one of our Home Loan Experts to see if an HUD-184 loan is right for you.

Native American HUD-184 Single Close Construction

The HUD-184 Single Close Construction is an extension of the HUD-184 loan. This product is very flexible as it allows you to build from scratch a stick built, modular or manufactured home to meet the needs of your family. If you already own your home or are purchasing an existing structure, this loan can lend you the necessary funds to rehabilitate, renovate, remodel or expand the home. Speak with one of our Home Loan Experts to see if an HUD-184 Single Close Construction loan is right for you.


An FHA loan is a government-backed mortgage insured by the Federal Housing Administration that was designed for low-to-moderate income borrowers. FHA home loans require lower minimum credit scores and lower down payments than many conventional loans, which makes them especially popular with first-time homebuyers. Speak with one of our Home Loan Experts to see if an FHA loan is right for you.


A Conventional loan is a mortgage that is not guaranteed by a government agency but instead by private investors such as FannieMae and FreddieMac. This is a fixed rate loan that may require less documentation than other loans but typically requires a higher down payment and credit score. Speak with one of our Home Loan Experts to see if a Conventional loan is right for you.


An USDA loan is a government-backed mortgage guaranteed by the United States Department of Agriculture. This loan is designed for low-to-moderate income borrowers located in a rural area. With zero down payment required, many borrowers in rural areas utilize the USDA Rural Development loan to minimize the out-of-pocket expenses associated with purchasing a home.  Speak with one of our Home Loan Experts to see if an USDA loan is right for you.


An VA loan is a government-backed mortgage partially guaranteed by the US Department of Veterans Affairs. It allows qualified Veterans, Service Members, and surviving eligible spouses purchase or refinance their current home mortgage. This loan features no down payment requirements and no private mortgage insurance (PMI). This leaves capacity for closing costs and prepaids when compared to conventional loans. The VA home loan is a lifetime benefit that you can use multiple times. Speak with one of our Home Loan Experts to see if an VA loan is right for you.


We can help you lower your monthly payments or pay off your mortgage faster. Why refinance? It may make sense if you can lower your interest rate or if the value of your home has increased. Refinancing can be a helpful tool for home improvement, debt consolidation, or simply lowering your monthly payment


If you’re starting from the ground up, then you need to work with Chickasaw Community Bank to secure a construction loan to make your project happen. Our team of loan officers is experienced with the process that will help you get the necessary financing for a variety of projects. Speak with one of our Home Loan Experts to see if a Construction loan is right for you.

Home Improvement

Turning a house into a home can be expensive. With a Chickasaw Community Bank (CCB) Home Improvement Loan, we can help turn your dreams of a small project or a major addition into a reality.

With a CCB Home Improvement Loan, homeowners can pay for the following:

  • Installing a new roof or flooring
  • Remodeling a kitchen or bathroom
  • Replacing heating and cooling systems or plumbling
  • Remodeling a room for wheelchair access or installing an exterior ramp

A home improvement loan with CCB offers many benefits, such as:

  • No equity or cash up-front for securing a loan
  • No home appraisals, meaning you can start your renovations sooner
  • Competitive and fixed interest rates, so your payment never increases
  • Avoiding high-interest credit card rates by choosing to lend with CCB

Let us help you with your home improvement loan here.

Medical and Dental Professionals

Our medical and dental professionals loan program is designed with medical and dental professionals in mind. This loan is for Residents, Fellows, and Doctors with reduced guidelines specific to student loans.  Speak with one of our Home Loan Experts to see if the Medical and Dental Professionals loan is right for you.

Jumbo/Super Jumbo

A jumbo loan helps borrowers looking to borrow more than standard mortgage amounts set by Conventional limits. Speak with one of our Home Loan Experts to see if a Jumbo loan is right for you.

Let Chickasaw Community Bank walk you through all the options. Take the first step to achieve your mortgage needs here.