| Create the Loan That Takes You Home
Buying a home is a major undertaking. For most first time buyers, it can be the single most expensive purchase of their lives. The type of loan you select in financing your new home can affect your down payment, the total amount you pay and how much home you can purchase. The State Bank of Cross Plains can help make this an easy process.
Fixed-Rate Conventional Mortgage
Over the years, fixed-rate loans have been the most popular type of mortgage. You can count on a fixed payment amount for the life of the loan.
Adjustable-rate Mortgages
These loans usually offer lower beginning rates and varying time frames before rates are adjusted. If you are expecting to increase your income - or if you plan to buy another home in a few years - this might be your best choice.
- Variety of extended repayment plans
- Lower beginning rates (usually)
- Yearly and lifetime interest rate caps
- Rate change tied to market rate index
- No prepayment penalty
- Apply conveniently online today
Balloon Loan Options
Our balloon loans offer some of the best features of both fixed and adjustable-rate loans. You have the assurance of a comparatively low fixed rate for a guaranteed time frame. If you plan to move within this time period, this is a good choice for you.
- Lower initial rate and monthly payment
- Fixed payments assured for various terms.
- Option to convert to a longer-term fixed-rate mortgage
- Apply conveniently online today
Veteran's Administration (VA)
State of Wisconsin
Loan guarantee program to encourage private lending agencies to give liberal mortgages to honorably discharged veterans or their widows. Apply conveniently online today
Contact one of our Mortgage Lenders to find out about the many options available to you at:
- Cross Plains: (608) 798-3961
- Middleton East: (608) 828-2980
- Middleton West: (608) 828-2285
- Mount Horeb: (608) 437-8968
- Madison: (608) 826-3500
- Oregon: (608) 835-2750
- Verona: (608) 845-6486
- Waunakee: (608) 849-2700
- or apply online today
- Click here to view our rates page for the State Bank of Cross Plains current mortgage rate listing
Servicing Your Refinancing Needs
Whether you are a new customer to State Bank of Cross Plains or someone we've developed a relationship with over time, we want to help you with the refinance of your home when the time is right for you. We offer low rate refinancing options with limited documentation. We have many loan options available.
- We are one of Dane County 's few institutions that keep the servicing of mortgage loans local.
Give us a call to determine if now is the right time for you to refinance your mortgage. You can contact one of our Mortgage Lenders for more information at:
- Cross Plains: (608) 798-3961
- Middleton East: (608) 828-2980
- Middleton West: (608) 828-2285
- Mount Horeb: (608) 437-8968
- Madison: (608) 826-3500
- Oregon: (608) 835-2750
- Verona: (608) 845-6486
- Waunakee: (608) 849-2700
- or apply conveniently online today
- Click here to view our rates page for the State Bank of Cross Plains current mortgage rate listing
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