Christmas and New Year's Hours of Operation
Christmas Eve - Closed | Christmas Day - Closed | New Year's Eve - Open 9 AM until 1 PM | New Year's Day - Closed
After serving the region for more than 120 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!
Customers who partnered with the CSB Mortgage Center give Community State Bank a satisfaction rating of 98%.
- Survey data provided by Continuity Programs 2021.
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%
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: 5%
USDA loans are mortgage loans that are guaranteed by the U.S. Department of Agriculture. Home buyers who buy a home in a qualified USDA area and who meet USDA income eligibility requirements can take advantage of the USDA’s low mortgage rates and a program requiring no down payment.* With a USDA loan, homebuyers can finance up to 100% of the purchase price of a property.
• Minimum down payment: 0%
The Wisconsin Housing and Economic Development Authority (WHEDA) has mortgage programs tailored to your individual needs, whether you are purchasing or refinancing, a first-time or repeat homebuyer. The WHEDA Advantage provides homebuyers with a versatile loan that features low monthly mortgage payments and a 30-year fixed rate.
• Minimum down payment: 3%
The Federal Housing Administration provides mortgage insurance on loans made by FHA-approved lenders, including Community State Bank. FHA insures these loans on single-family and multi-family homes in the U.S. and its territories. FHA loans* are a good option for first-time homebuyers who may not have saved enough for a large down payment.
• Minimum down payment: as low as 3.5%
VA loans* help U.S. military service members, veterans and eligible surviving spouses become homeowners. The U.S. Department of Veterans Affairs guarantees a portion of the loan, which enables qualified lenders — like Community State Bank — to offer more favorable terms. VA loans can also be used for home construction, repair and renovation.
• Minimum down payment: as low as 0%