Homebuying 101

Because Home Is Everything

For Every Step, We’re Your Homebuying Partner

With State Bank of Cross Plains, your new home is within your reach – our stress-free mortgage process makes it easy! Our experienced Mortgage Lenders are there to guide you every step of the way. From budgeting and planning to pre-approval and choosing the right mortgage loan option, we’re here to make the process as smooth and enjoyable as possible, even if you’re a first-time homebuyer.

The only thing left to do is get started! The first step is to fill out our quick pre-approval application. Once that’s done, your personal Mortgage Lender will reach out to discuss your options and next steps, and you’ll be well on your way to your new home.

Crunch the Numbers

Set yourself up for an efficient home search by determining how much you can afford. Start with our Mortgage Qualifier Calculator. Then then check out our current rates, and reach out to a Mortgage Lender to get pre-qualified. 

It’s important to know in advance what type of mortgage payment makes sense for your financial situation and budget. Your mortgage loan officer can help you determine this as part of our pre-approval process. Check your credit score and your debt-to-income ratio, too.

 

 

Find a Mortgage Lender

It’s important to find a local Mortgage Lender who not only knows the local real estate market, but can work with you to understand your personal situation, answer your questions, and find the right loan for you. Our experienced Mortgage Loan Officers can do all this and more.

Get Pre-Approved

One of the most important initial steps in the homebuying process is getting pre-approved for your loan. This makes you more attractive to sellers and shows real estate agents that you are a serious buyer. The process is simple, and we’ll walk you through it.

Explore Mortgage Options

Now you are ready to start searching for your perfect home! When you find it, we will help you choose the right mortgage. Once the mortgage option is selected, we can continue with the home inspection and closing.

Featured Mortgage Rates

ALL RATES

Additional Mortgage Resources


Refinancing: Shorten your term or lower the payment on your existing mortgage.

Home Equity: Use collateral in your home to make improvements or cover the cost of large purchases.

First-Time Homebuyer: We’ll help you tackle the home-buying process with ease, even if it’s your first home.

Mortgage Calculators: These tools make your homebuying journey easier. Determine what your monthly payments might look like, your amortization schedule, and more.

Mortgage Banknotes