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.

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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.

  • Wide variety of mortgage programs
  • Annual and lifetime interest rate caps
  • Interest rate change tied to public index
  • No prepayment penalty
  • Apply conveniently online today

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Servicing Your Financial 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 financing  your home when the time is right for you. We have many loan options available.

  • All of our decisions are local.
  • 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. Contact one of our Mortgage Lenders for more information or Click here to apply online and view our rates.

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