CHAT

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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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: 5%


USDA Home Loan

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. Please contact a Mortgage Lender, to apply for this loan type. 
•    Minimum down payment: 0%
 

Veterans Administration (VA) Loan

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. Please contact a Mortgage Lender, to apply for this loan type. 
•    Minimum down payment: as low as 0%

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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