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!

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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.

Property must be located in Wisconsin

Must be owner-occupied for the life of WHEDA loan

Do not have to be a first-time home buyer to utilize this program

CSB Mortgage Center