Our Mortgage Rates

Get Started 


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.  

Current Mortgage Offer


Get $1,000 off closing costs* on construction loans and first mortgage purchase or refinance transactions now through December 31st. 

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

 

*Closing cost credit available on construction loans and first mortgage purchase or refinance transactions that are for primary residences and second homes. This offer is not available when refinancing a State Bank of Cross Plains Construction loan to permanent financing or on Lot Loans. This offer is also not available for loans secured by a second lien, home equity lines of credit, VA, FHA or USDA loans. This offer is available for loans with applications dated from July 1, 2018 through December 31, 2018. The closing cost credit will be applied at the time of loan closing. This is not valid with any other mortgage offers and is subject to change. Valid once in a 365 day period.