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Our mortgage team, Monarch Mortgage, will help customize your home loan and make your dream a reality!

**Lender credit may be used towards closing costs and will be credited upon settlement.  Offer not valid with a VA, WVA, DC, and MD bond loans. Offer must be presented at time of application.  This is not a commitment to lend.  Offer subject to change without notice.

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residences, second homes, vacation homes, or investment properties
  • A wide range of financing programs available:
    • Conventional loans
    • Adjustable rate mortgages (ARMs)
    • Fixed rate mortgages
    • Balloon Loans
  • Home mortgage loan officers who know the Greensboro real estate market
  • Flexible terms tailored to fit your budget
  • Quick, local decision-making and processing
  • Dedicated, friendly service from start to finish


Get Started Now

Visit our mortgage center to learn more about our programs and how we can assist you!

Construction Loans

Construction Loans provide a short-term, interim loan to pay for construction costs. Draws are disbursed at periodic intervals from a construction line of credit to the borrower and builder as the work progresses. Interest is repaid monthly and accrues only on the amount disbursed. Terms are generally up to 12 months. Upon completion of the project and the issuance of a final occupancy permit, the loan is refinanced into a permanent mortgage. 

Land Only Loans

CSB has funds available to finance the purchase of or refinance of an existing lot or acreage. We offer a fixed rate up to 10 years or, if a longer repayment term is desired, we offer a 3-year balloon with a 15-year payment amortization. 

Investment Property Loans

Carolina State Bank also offers financing to construct, purchase, or refinance income producing 1-to-4 family residential property with terms up to 25 years.

Based in Greensboro

Other banks have customers. We help neighbors.

Visit CSB HQ