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Home Personal Mortgages


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Helping Homeownership Happen

Whether you are looking to purchase your first home, want to find your retirement home or simply want to try to get a better rate, our mortgage lending team is here to help.

Looking to build a new home, purchase a home, or refinance your home? 

Community State Bank offers a variety of lending products, including fixed-rate mortgages, for your principal residence, second home, or investment property.

  • Conventional loans
  • Home Equity Line of Credit
  • USDA Rural Development loans
  • FHA loans
  • VA loans

Building a Home

We are a trusted friend when it comes to building your new home. Excellent customer service will help you with draws to contractors, budgeting, and completing lien waivers.  

Buying a Home

Free pre-qualifications, competitive rates, and convenient terms are available.  100% financing with USDA Rural Development loans or conventional loans up to 95% of the home's value are available to help you secure the perfect home.

Refinancing your Home

An array of lending products will help you find the right fit for your needs.  Pay your mortgage off earlier, lower your payment to free up cash for other expenses, consolidate debt, or take equity out of your home for improvements.  Call to set up an appointment to discuss your options.

Home Equity Line of Credit (HELOC)

Need the flexibility of instant access to cash? A HELOC may be the product for you.  An open line of credit gives you the convenience to borrow funds any time using the equity in your home.  Stop in to find out if this product is right for you.

HELOC Inquiry 

Getting Started on Your Mortgage

Simply contact any of our offices to set an appointment or learn more about our mortgage services.

You can also start the inquiry process online in just a few minutes.

Consumer Real Estate Loan

Mortgage Calculators

Use our mortgage-related calculators to help you better plan for your mortgage.