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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.]

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.]

 

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%*

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