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%

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%*

CSB Mortgage Center