Our Mortgage Rates

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Our favorite moment is when we can say, "Welcome to your new home." But we also know that qualifying for a loan to open the doors to your new place can be stressful, especially if you're a first-time home buyer. Our Mortgage Lenders will be by your side every step of the way.

Check out our current rates Get Pre-Approved


Steps to getting a mortgage

  1. Find out how much you can afford by using our Mortgage Qualifier Calculator
  2. Check out our current rates.
  3. Meet with a State Bank of Cross Plains Mortgage Lender to get pre-approved or get pre-approved now. The housing market moves fast, and when you find a home you love, you should be ready to buy right away. 
  4. Pick your new place, and make an offer! (Read more here on making an offer
  5. Choose from State Bank of Cross Plains' mortgage loan options (see below) 
  6. Close! and make sure before you do, you get a home inspection.  

Now's the Time!

Most of our mortgages are locally serviced, meaning you'll receive friendly assistance and great advice from someone you can count on.

Work with the State Bank of Cross Plains Mortgage Team and get:

  • Rates among the lowest in Dane County.
  • Fast, local decision making.
  • Multiple mortgage options so you get the right fit.
Apply Today

Mortgage Loan Options

Fixed-rate conventional mortgage 

  • Fixed payment amount for life of loan  
  • Variety of extended repayment plans  
  • No prepayment penalty  
  • Minimal and flexible down payment requirements  

Adjustable-rate mortgages 

  • Lower starting rates  
  • Great option for those who are planning to have a higher income or buy another home in a few years             
  • Variety of extended plans  
  • Yearly and lifetime interest rate caps  
  • Rate change tied to market rate index  
  • No prepayment penalty

Mortgage Resources



For more information on all of your Mortgage needs contact us today.  Call (608) 497-4640

Find a mortgage lender or Apply Now