Mortgages - CNB Bank, Inc

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Routing Number 052204359
NMLS #681652

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John Menard

John Menard

NMLS #525877

Email 

Phone 301-491-2014

Location Hagerstown, MD

Gail Moxley

Gail Moxley

NMLS #757179

Email 

Phone 304-671-9560

Location Martinsburg, Berkeley County, WV

Meet the Team

First Front Door (FFD) Program

Unlock Your Dream Home

First Front Door (FFD) offers invaluable down payment and closing cost assistance tailored to eligible first-time homebuyers. Powered by participating FHLBank Pittsburgh (FHLBank) members, FFD extends a helping hand through first mortgage financing.

Invest a minimum of $1,500 towards the down payment and closing costs and prospective homeowners can access a generous FFD grant, reaching up to $15,000.

Who Qualifies for FFD Funding?

Qualified first-time homebuyers have the flexibility to utilize FFD grants for both the down payment and closing costs.

Each prospective homebuyer is required to:

  • Be a first-time homebuyer; A person who has not owned a single-family home used as their primary residence in the last three years
  • Contribute personal funds as part of the down payment and closing costs. Minimum personal funds contributed = $1,500.
  • Have household income at or below 80 percent of the area median income at the time of registration.
  • Complete at least four hours of homeownership counseling, including the topic of predatory lending, before the purchase of the home.
  • If a student, they must work at least 30 hours a week.

The program begins April 16th and is available for a limited time.

**Restrictions apply. See your CNB Mortgage Banker for details

Jacob Menard

Jacob Menard

NMLS #2596128

Email 

Phone 240-818-1781

Location Dual Highway, Hagerstown, MD

Samantha Mellott

Samantha Mellott

NMLS #2041543

Email 

Phone 301-800-8711

Location Long Meadow, Hagerstown, MD

Jenny Ligon

Jenny Ligon

NMLS #2006861

Email 

Phone 540-914-9066

Location Spring Mills, Berkeley County, WV, Winchester, VA

Arnie Stotler

Arnie Stotler

NMLS #757182

Email 

Phone 304-258-7040

Location Valley Road, Berkeley Springs, WV

A couple holding new house keys

In-House Residential Loans

Let our experienced lenders find the right loan for you. With an in-house mortgage, your loan will stay at CNB Bank.

Land Loans

You've found the perfect piece of land. Let us handle the rest.

Secondary-Market Residential Loans

With a variety of options and in-house underwriting, we'll find the right fit for you.

Home Equity Options

Wanting to add on to the home? Remodel a room? Get new furnishings or tackle the landscaping? Put the value of your home to work for you!  Whether you need a Home Equity Loan or a Home Equity Line of Credit (HELOC), we've got the products and services to help.

Construction Loans

From construction to permanent, we'll be by your side through the whole process.

First-Time Homebuyers

Your first home purchase is one of the biggest decisions you'll ever make. Let us guide you through the process.

Residential Mortgage Banking

Make it yours.

From application to underwriting to the final decision, the entire process will be completed in-house with your residential mortgage banker right by your side.

There has never been a better time to talk with our experienced mortgage team. We offer a variety of products and will be able to find the perfect fit for you.

Apply for a Home Equity Line of Credit Today!