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BCSB First Time Homebuyer Programs

The thought of buying a home can be overwhelming for anyone, particularly for first-time buyers. Brown County State Bank staff of trained mortgage professionals is here every step of the way to guide you through the process. We offer mortgage loans to first time home buyers through Guaranteed Rural Housing or FHA. BCSB also participates in the down payment plus program to better serve you.

Choosing a Mortgage

Wondering what the best loan option is for you? Here are a few key things to consider:

  • First and foremost, you need to determine just how much home you can afford.
  • Knowing how much to put down. Different loans have a different minimum down payments. Knowing what you're able to put down can help you narrow down what you can afford.
  • Determining if you should go with a fixed or adjustable rate mortgage often comes down to whether or not you plan to be in the house for more than five years.

Consult a lender for more details on available first time home buyer programs.