In celebration of the Holiday Season, all Community State Bank locations will be closed on Christmas Eve (12/24/2025), Christmas Day (12/25/2025), New Year's Eve (12/31/2025 Noon Closing), and New Year's Day (1/1/2026). On behalf of everyone at Community State Bank, we would like to wish our friends and neighbors a very "Merry Christmas! & Happy New Year!" We look forward to serving you in 2026.

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Mortgage Services

Make Yourself at Home

After serving the region for more than 125 years, Community State Bank has earned the reputation as one of the most flexible and customer-friendly mortgage lenders in Racine County, Kenosha County and Walworth County in Southeast Wisconsin.

Our mortgage lending team helps you when you need them — including weekends. Whether you’re a first-time homebuyer or an existing homeowner, looking to build or refinance, we’re here to help!

 

Check Rates Apply Now  Meet Our Lenders Mortgage Resources

 

Always Available

Our team of local mortgage experts are located at the corner of Hwy. 11 & Hwy. 45 in the heart of Racine County. Our team is only a phone call, email, or text away, and are always ready to help. You'll know the name (and the direct contact info) of the people working hard to make sure your experience with CSB is exceptional. [Learn more about the advantages of banking local.]

Our Mortgage Loans

Fixed-Rate Mortgage

With a fixed-rate mortgage, you have the security of always knowing what your monthly principal and interest payments will be. 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) Loan

How long are you planning to own your home? If you’re planning on selling or moving within the next five years, an adjustable rate mortgage (ARM) loan may be a great option for you. An ARM offers lower early payments than a fixed-rate mortgage. Your interest rate is fixed for five years and becomes variable for the remaining loan term, adjusting every year after that.

•    Minimum down payment: 10%

 

WHEDA First Mortgage

A WHEDA loan is a mortgage program from the Wisconsin Housing and Economic Development Authority (WHEDA) that helps Wisconsin residents buy homes. WHEDA loans are designed for first-time homebuyers and people with moderate or low incomes. 

The following is general program information and does not guarantee approval or cover all program guidelines. Consult with Community State Bank Certified WHEDA approved lender for specific eligibility guidelines.

Contact a CSB Mortgage Lender   Apply Online

Local Market

Our in-depth knowledge of the local real estate markets in Racine County, Kenosha County, and Walworth County is second to none. You can leverage our expertise to make informed decisions whether you're buying, building, or refinancing your home.
[Learn more about the advantages of banking local.]

 

Life Happens

“Life happens” as they say. Bad things sometimes happen to good people. A job loss, a family change, or temporary loss of income can happen for any number or reasons. If CSB is servicing your loan, when these challenges happen, you’re able to come talk to us instead of someone in the huge bank servicing department located out of state or out of the country.
[Learn more about the advantages of local banking.]

CSB Mortgage Center

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