Waterford, WI
Waterford, WI
You have arrived at our front door to convenience, opportunity and trust. We greet you with the right products and useful tools capable of fulfilling your unique needs.
Choosing a trusted mortgage lender can help you save money today, and... Show More
Location & Business Hours
Business Hours
Mon
9 AM to 5 PM
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
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Reviews from Web
for
Was a great help through the process. He answered all my questions quickly and gave me updates daily. I highly recommen!
Reply from Al Lapotko
May 28th, 2026 04:58 PM
Tristan, I'm glad to hear that I could assist you effectively throughout the process. Your recommendation and feedback about my communication mean a lot to me. If you have any more questions or need further assistance, don't hesitate to reach...
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for
Al was very helpful, quick to respond, even if it was a weekend, and made sure that we were aware of everything that was happening. From start to finish it was a smooth process.
Reply from Al Lapotko
May 19th, 2026 03:45 PM
Lisa, I’m glad to hear that you found the process smooth and that my responsiveness was helpful to you. Making sure you were aware of everything happening was important to me. If you need anything else, feel free to reach out.
for
Al is amazing and will be using for all my home buying experiences.
Reply from Al Lapotko
April 30th, 2026 06:51 PM
Anthony, I appreciate your kind words and confidence in my services for your future home-buying experiences. I'm glad to know you had a positive experience, and I'm here to assist with any of your needs at Home State Bank.
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Dan is the best
Reply from Dan Bursek
April 27th, 2026 02:15 PM
Nicolet, thank you for your kind words. I'm glad to know that you've had a positive experience with my services at Home State Bank. If you need any further assistance, please feel free to reach out.
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Honestly it's because I'm old school and do not like all of the texting. Wish things were a bit more hands on and in person a bit. This was my first time purchasing a home so what do I know. But I do believe Al Lapotko did a nice job and yes...
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Reply from Al Lapotko
March 18th, 2026 02:35 PM
Thanks for the review Eric, im always available for any questions you might have with your financing, thanks again!!
for
Al kept me informed throughout the process
Reply from Al Lapotko
March 3rd, 2026 04:01 PM
Thanks for the 5 Stars ray, keep in touch and I will see ya soon!!
for
Made it easy.
Reply from Dan Bursek
March 26th, 2026 03:58 PM
Qwade, thank you for taking the time to share your experience. I am pleased to hear that the process was straightforward for you. If you need any further assistance, please feel free to reach out. Your trust in Home State Bank is valued.
for
This was the absolute worst experience I’ve had working with a mortgage lender across all the properties I’ve purchased. I would not refer this lender to anyone.He stated that the loan costs could be adjusted and lowered, then said he would...
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for
It's always a pleasure working with Al.
Reply from Al Lapotko
January 29th, 2026 04:42 PM
Chris thank you, its always pleasure working with you as well!!
for
Al helped us through every step of the way and way more than happy to answer all of our questions. I couldn't be more pleased with his service!
Reply from Al Lapotko
January 27th, 2026 04:29 PM
Thanks for kind words, it was a pleasure working with you guys and im sure we will be talking again soon with these rates coming down. I pit a call into the FED and said let's get a move on!!
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About
You have arrived at our front door to convenience, opportunity and trust. We greet you with the right products and useful tools capable of fulfilling your unique needs.
Choosing a trusted mortgage lender can help you save money today, and in the future. Whether you are looking to build a new home, buy an existing home, or refinance your current mortgage, we are committed to helping you find the right products in order to fulfill your unique mortgage needs. Most importantly, you'll find that our good-natured, hometown mortgage professionals make the difference. We look forward to serving your home financing needs with expertise and professionalism, a cornerstone to our growth and referral success since 1915.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Time Zone
Pacific Standard Time (PST)
Disclaimer
HOME STATE BANK NMLS #478452. HOME STATE BANK is an Equal Housing Lender. Credit and collateral are subject to approval. Terms and conditions apply. Rates, terms, programs and their conditions are subject to change without notice and certain programs/services may not be available in all states.