Scam Alert

Criminals are sending text messages to verify possible recent debit card purchases followed by a phone call trying to obtain sensitive information. Important: Port Washington State Bank will never contact you via unsolicited e-mail, text or phone call asking for sensitive information, passwords, PINs or one-time passcodes. We may call you to verify a debit card transaction amount only. If you get a call, voicemail, e-mail or text from someone claiming to be from PWSB and you think it’s suspicious, please contact us immediately.

Welcome to Home Base

No one knows the Ozaukee County housing market like PWSB. Our team of home loan professionals offers customized mortgage products and can get you pre-approved, ready to close and moved into your dream home — fast.

Visit a branch, apply online or call 262-284-4416 today.

Apply Now

Ready to apply for your mortgage loan?

Apply Online

Get pre-approved

Get a Free, No-obligation Pre-approval

Apply Online

Mortgage Rates

See our current loan rates.

View Mortgage Rates

Get quick answers

Use our Mortgage Calculators

Visit Mortgage Center

Jay  Schreurs
Jay Schreurs VP / Senior Mortgage Lending Officer Email Jay 262-284-4416 NMLS ID: 759020
Sharon Niesing
Sharon Niesing Vice President / Mortgage Lender Email Sharon 262-375-0100 NMLS ID: 759010
Kelly Lambrecht
Kelly Lambrecht Vice President / Mortgage Lender Email Kelly 262-377-0750 NMLS ID: 1478460
Linda Chay
Linda Chay Vice President / Mortgage Lender Email Linda 262-518-0552 NMLS ID: 1419913
Ruth Bauer
Ruth Bauer Mortgage Loan Assistant Email Ruth 262-284-4416 NMLS ID: 2370918

Fixed-Rate Mortgage

Featuring stability and security, a fixed-rate mortgage is the most popular of PWSB’s mortgage services.

Fixed-Rate Mortgage

Adjustable-Rate Mortgage

An Adjustable-Rate Mortgage (ARM) starts out at a fixed rate for a short period of time and then fluctuates for the rest of the term.

Adjustable-Rate Mortgage

Special Loan Programs

We have special options for first-time homebuyers and those with low-to-moderate income and low or no down payment.

Special Loan Programs

Lot Loan

Buy a lot now so you can build later. Interest rates are low, and the equity you earn can be applied to a construction loan.

Lot Loan

Construction Loan

Pay interest only on the amount outstanding during the construction period. 

Construction Loan

Bridge Loan

Turn the equity in your current home into a down payment for your construction project or the purchase of an existing property.

Bridge Loan

Mortgage Refinance

Changing rates or changing circumstances — whatever your reasons for refinancing your mortgage, PWSB can help!

Mortgage Refinance

Affordable Lending & Assistance

Affordable Lending Programs

Homebuyer Counseling & Education

Down Payment Assistance