National Homeownership Month 2021

Community State Bank, ICBA Shed Light on the Homebuying Process

Union Grove, WI (June 1st, 2021)—In recognition of National Homeownership Month in June, Community State Bank and The Independent Community Bankers of America (ICBA) are encouraging current and prospective homeowners to consult their local community bank lender to learn about available programs to help make the homebuying process easier and more affordable.

“Owning a home is part of establishing community roots and building financial security, and as your trusted financial advisor, we’re here to shepherd you throughout the process,” said Mike Fohey, Vice President & Mortgage Center Manager at Community State Bank. “As your trusted financial advisor, we’re here to help you navigate the process—from determining what you can afford to selecting the proper financing to fit your unique circumstances and budget to turn your dream of homeownership into reality.” 

Whether you are purchasing your first or forever home, Community State Bank can help you determine: 

  1. The ideal loan amount and products to meet your financial needs and budget considerations. We can review the mortgage process with you and identify suitable programs and loan features. 
  2. How mortgage rates, the loan amount, property taxes and insurance premiums affect payments. This will help you set a home budget and increase your prospects for success as an informed buyer.  
  3. Your rights and obligations under your mortgage contract. Today’s consumers have more avenues than ever to homeownership. We will help you understand the fine print before you commit.
  4. Suitable government-sponsored programs. In addition to federal homeownership and home-buying assistance programs, we can recommend state, local government, and specialty programs to help make homeownership more affordable.

“For many Americans, homeownership is the key to financial wealth creation,” said ICBA President and CEO Rebeca Romero Rainey. “As relationship lenders, your local community bank can help shepherd you through the process.” 

As Romero stated, choosing a relationship lender is an important step in owning a home, and Community State Bank has a talented team of local experts ready to assist you on your home buying journey. Meet the CSB Mortgage Center team and get started at

CSB Mortgage Center

Michael Fohey
Michael Fohey VP | Mortgage Center Manager NMLS ID: 718442
Shakil Haider
Shakil Haider VP | Mortgage Operations NMLS ID: 474473
Kim Terpstra
Kim Terpstra Mortgage Loan Officer NMLS ID: 776940