Attention Business Banking Customers: Business Online Banking will be unavailable on Sunday, October 26, 2025, from 8:00 PM to 10:00 PM due to scheduled maintenance. We recommend planning your transactions in advance and apologize for any inconvenience this may cause.

EARLY CLOSING: CSB will be closing all branches early on November 4th at 3 PM for staff training. CSB offices will resume regular business hours on November 5th. We apologize for any inconvenience and thank you for your understanding.

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First Time Homebuyers Let's do this together!

Expert Help for First-Time Homebuyers

Buying your first home is an exciting new chapter and we’re here to make it simple, affordable, and stress-free. At Community State Bank, our local lending team can help you explore flexible mortgage options, down payment assistance, and personalized guidance every step of the way. Let’s make your homeownership dream come true with support you can count on. Below are some simple questions to help you get started.

1. Do you qualify as a First-time Homebuyer (FTHB)?

To be a FTHB you must meet one of the following criteria:

 

2. Where are you in your homebuying journey?

Just Starting

Well, you’re in the right place! We can help you with budget planning, credit guidance, or a financial check-up.

Actively Looking

You’d like to talk about a pre-qualification letter, comfortable price ranges, and monthly payments.

On a Different Path

Every homebuying journey is unique, let us know where you would like to start.

 

When it comes to your mortgage, what's most important?

Lower Monthly Payments

Lower Upfront Costs

Faster Payoff

Local Mortgage Advantages

Home financing is better when it’s local, and the CSB Mortgage Center is right here with you. We’re more than just mortgage experts, we’re your neighbors. By choosing a local lender, you get the benefit of personalized service, expert guidance, and a team that truly understands the Southeast Wisconsin housing market.  [Top 10 Reasons to Choose Local]

Where would you like to go from here?

Additional Questions

Buying your first home is a big decision and we want to make sure the process is exciting and not stressful. We’re here to answer any questions you may have.

Still Gathering Info

Let us know if there is anything else we might be able to help with. When you’re ready, we’ll be here to help.

Ready to Move Forward

We can begin the application process, in person or online. 

Begin Application   Schedule a Time to Meet

Explore CSB Mortgage Options

Fixed Rate Loans

Have the security of always knowing what your monthly principal and interest payments will be. A fixed-rate mortgage is a mortgage loan that has a fixed interest rate for the entire term of the loan.  A fixed-rate mortgage is a popular type of financing because it offers predictability and stability for your budget.

Minimum Down Payment: 3%*

Adjustable Rate Mortgage (ARM)

How long are you planning on owning your home? If you’re planning on selling or moving within the next several years, an Adjustable Rate Mortgage (ARM) may be a great option for you! ARMs offer lower early payments than a fixed-rate mortgage. 

Minimum Down Payment: 10%*

Construction Loans

Build the home of your dreams with as little as 20% down. Our experienced professionals understand that building your home can be confusing and complicated, but we can help alleviate some of the stress. We’ll be there every step of the way, from the first day of construction, to the financing of your finished home!

Minimum Down Payment: 20%*

WHEDA Home Loan

The Wisconsin Housing and Economic Development Authority (WHEDA) has mortgage programs tailored to your individual needs, whether you are purchasing or refinancing, and a first-time or a repeat buyer. The WHEDA Advantage provides homebuyers with a versatile loan that features low monthly mortgage payments.

Minimum Down Payment: 3%*

HomeReady Loan

A HomeReady loan is a special type of mortgage that helps people with lower or moderate incomes buy or refinance a home. It only requires a small down payment (as little as 3%), allows relatives or friends to help with the loan, and can count extra income like rent from roommates. It also offers lower mortgage insurance costs and includes a short online home ownership course to help you get started.

Minimum Down Payment: 3%*

Down Payment Assistance

A DPP grant (Downpayment Plus®) is a program that helps low-to moderate-income homebuyers with funds to cover part of their down payment and closing costs. Eligible buyers can receive up to $10,000, and the grant does not need to be repaid as long as you stay in the home for a certain period of time. To qualify, you’ll need to meet income requirements, contribute a small amount of your own funds, and complete a homebuyer education course. It’s a great way to make purchasing a home more affordable.

Begin Application   Schedule a Time to Meet

Michael Fohey
Michael Fohey VP | Mortgage Center Manager NMLS ID: 718442
Joe Canfield
Joe Canfield AVP Mortgage Loan Officer

Get to know Joe video

NMLS ID: 784824
Monica Johnson
Monica Johnson Mortgage Operations Manager NMLS ID: 1494228