Check Current Rates     Apply Online     Meet Our Lenders   Current Mortgage Specials

CSB Mortgage Options

Community State Bank has earned the reputation as one of the most flexible and customer-friendly mortgage lenders in our area. We want to work with you; whether you are building a home, purchasing a home or refinancing a residential property. We are here to help you with the process and want this to be an enjoyable and exciting time for our customers.

Fixed Rate Mortgage

Have the security of always knowing what your monthly principal and interest payments will be. With a fixed-rate mortgage you can lower your payments by spreading them out over pre-determined timelines. A fixed-rate mortgage can be yours with as little as a 3% minimum down payment!
Minimum Down Payment: 3% 

5-Year ARM (Adjustable Rate Mortgage)

How long are you planning on owning your home? If you're planning on selling or moving within the next 5 years, an Adjustable Rate Mortgage (ARM) may be a great option for you! ARMs offer lower early payments than a fixed-rate mortgage. Your interest rate is fixed for 5 years, and becomes variable for the remaining loan term, adjusting every year thereafter.
Minimum Down Payment: 5% 

USDA Single Family Guaranteed Housing Loan*

USDA loans are mortgage loans which 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 which requires no down payment*. With a USDA Loan homebuyers can finance up to 100% of the purchase price of a property.

You cannot get this type of loan directly through the USDA, however you can get it through Community State Bank. CSB is part of a network of lenders approved by the USDA to offer this unique program.
No Minimum Down Payment 
*Please be advised that Community State Bank uses the services of Inlanta Mortgage for processing, closing and funding mortgage applications sold to the secondary market. Community State Bank values your privacy as does our partner, Inlanta Mortgage. The information you provide for your loan application will be shared with Inlanta Mortgage for the purpose of processing your credit request. For a complete list of product details, eligibility requirements, property eligibility requirements and applicable insurance costs and fees, please contact the CSB Mortgage Center (262) 878-3763.

Construction Loan

Build the home of your dreams with as little as 5% down. Our experienced professionals understand that building your home can be confusing and complicated. Let us help you alleviate some of the stress. We’ll be there every step of the way, from the first day of construction, to the financing of your finished home!
Minimum Down Payment: 5% 
Call for additional information: (262) 878-3763

HELOC (Home Equity Line of Credit)

Unlock the value of your home with a Home Equity Line of Credit (HELOC). A HELOC is a loan where homeowners can borrow against the equity they’ve built up in their home. Homeowners can use the funds for all sorts of reasons, but some of the most common include:
  • Home Repairs or Improvements
  • Debt Reduction and Consolidation
  • Emergency Funds
  • Educational Expenses

NOTE: For a complete list of product details and applicable insurance costs and fees, please contact the CSB Mortgage Center  (262) 878-3763.