Buy a Home

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.


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 (our online application is currently undergoing maintenance. Please call our mortgage team at (608) 497-4640 for assistance).

  3. Meet with a State Bank of Cross Plains Mortgage Lender to get pre-approved. 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. Get a home inspection.  

  7.  Close!

Something Else?

With a HOME LOAN from us, there's no need to stress!

Buying, building or refinancing?  Our local mortgage lenders will be by your side every step of the way to answer your questions and offer their expert insight.  Plus, our great rates give you even less reason to worry!

You can also feel free to call our mortgage team at (608) 497-4640 for assistance.

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

Additional Mortgage Resources

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