Refinance

Refinancing can shorten your loan term, or lower your interest rate or monthly payment. It can also provide you with cash equity that would allow you to make those dreamed of home improvements, fund an education expense, start a business or buy an investment property. Whatever it is you’re trying to achieve, we want to help you with our many local* loan options. 

Utilize our refinancing payment calculator to see how much you could save. 



*VA, FHA, USDA Loan products are not serviced by the State Bank of Cross Plains


Is it the right time to refinance your home? 

Average mortgage interest rates on 30-year and 15-year fixed-rate mortgages have risen a bit in comparison to the last several years. Depending on when you purchased your home and the rate you have on your current mortgage, the time might still be right to refinance into a new mortgage. You might not hit the historic low-interest rates of the last several years, but rates are still attractively low.

This leads to the big question of whether the time is right to refinance your mortgage?

The answer, not surprisingly, depends on several factors, most notably your financial health, your current mortgage interest rate and how long you plan to stay in your home.

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

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