CMB Covid Header Notice

ATTENTION BUSINESS OWNERS - Additional SBA PPP loan funding is now available. If you did not get a PPP loan from us during the first round and think you might qualify, please contact your Clear Mountain banker TODAY to get started.

For information on the government's Economic Impact Payments, please visit the IRS website. With this tool, you can see the date your payment is scheduled to be deposited in your bank account or mailed to you.

We are experiencing extremely heavy call volume due to COVID-19. While we’ve proudly been answering customer phone calls in person for more than 100 years, you may be greeted by an automated answering service and you may experience an extended hold time, but we are committed to answering your call as quickly as possible. We highly encourage the use of our electronic banking services during this time.

Use these links for our most up-to-date COVID-19 information.

BUTTON: Covid-19 Information for Personal Banking

BUTTON: Covid-19 Information for Businesses

BUTTON: Paycheck Protection Program (PPP) Information

BUTTON: Branch/Lobby Hours & Information

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Getting Pre-Approved

Making It Quick and Easy To Become First-Step Certified!

Obtaining a pre-approval for a mortgage is the first step in owning your own home and Clear Mountain Bank is committed to making this process as quick and convenient as possible. A pre-approval helps you understand the loan amount you may qualify for, before you find a home. Best of all, you can get a pre-approval in as little as the same day!

Get pre-approved online at clearmountainbank.com/mortgages, or contact our team of Mortgage Specialists who will guide you through these quick and easy steps, and get you First-Step Certified in no time!

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Benefits of Pre-Approval

  • Saves you time.

    The pre-approval process will provide you with a realistic price range you can afford. This will help you to manage expectations and make an appropriate choice based on facts.

  • Your loan will close faster.

    A seller can receive multiple offers from other homebuyers. Getting pre-approved gives you an advantage over homebuyers who are not pre-approved when multiple offers are made on a home.

  • More attractive offer.

    Once you find a home, your loan process will be streamlined because you are already pre-approved. This will allow you to move into your new home sooner.

  • Provides added leverage.

    Most home sellers consider offers with a pre-approval letter before those without.

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What You Will Need

You can apply online or one of our Mortgage Specialists can walk you through the application process in person or on the phone. We will also need the following supporting documents to determine your eligibility:

  • One month’s recent pay stubs
  • Two years’ W-2 statements
  • Two years’ complete federal income tax returns
  • Two months’ bank account statements for assets
    (checking, savings, money market, CDs, 401K, etc.)
  • Additional documentation may be needed

Become First-Step Certified

Once you have completed the application and submitted the required documentation, a mortgage loan specialist will evaluate your financial information, including your income, assets, and credit history to determine your borrowing eligibility. Once you’re pre-approved, we will issue you our FIRST STEP PRE-APPROVAL LETTER, which you can present to sellers and realtors as proof of your ability to buy.

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Give us your feedback!

We want to hear about your experiences at Clear Mountain Bank. If you have a comment, suggestion, or just want to let us know about a great experience you had at your local branch, please send us your feedback using the form below. Don’t include any confidential personal information or account numbers in your comments. Please note that this form is for general comments only. If you have a question or problem that needs immediate attention, please visit the Contact page.