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.  

Current Mortgage Offer

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

Plus, get a $300 bonus** if you open a Custom Rewards Checking or Prestige Checking account with us.

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 is available only on construction loans and first mortgage purchase or refinance transactions that are for primary residences and second or vacation homes. This offer is not available when refinancing a State Bank of Cross Plains Construction loan to permanent financing, or on Lot Loans, loans secured by a second lien, home equity lines of credit, VA, FHA or USDA loans. The closing cost credit will be applied at the time of loan closing and is available one time per rolling 12 months. Not valid with other mortgage offers. This offer is available for loans with applications dated February 1, 2019 through June 30, 2019.
** To qualify for the $300 bonus, a Custom Rewards or Prestige Checking account must be opened February 1, 2019 through March 31, 2019 when a Construction or Mortgage Loan application is submitted during the same period. The new account must be opened with a minimum of $1,000 in new money not currently on deposit at State Bank of Cross Plains and must remain open 90 days; Direct Deposit must be one of the services established on the new account. $300 bonus will be directly deposited to account by July 15, 2019. We sincerely appreciate our current customers, however this offer is not available to existing checking account customers. The offer is not available to those whose accounts have been closed within the last 18 months. This offer cannot be combined with any other checking account promotion. Accounts must be opened in person to be eligible for the $300 bonus.