You deserve the best! Hire Al Lapotko!.


Providing the most advanced Mortgage Services in a comfortable and pleasant atmosphere are the priorities of Al Lapotko IV. Al Lapotko IV is among the most accomplished and regarded Mortgage Professionals in all of southeastern and Western Wisconsin and is also licensed in to provide you service in the whole country. He is diligent in his pursuit to stay current providing the profession’s leading Mortgage Procedures while utilizing state-of-the-art technology.

Al Lapotko IV has been a life-long resident of Waterford WI establishing his business more than 23 years ago. Al Lapotko IV provides quality Mortgage Practice for his clients, working hard for any and all of his clients. He is widely recognized across the Racine County area for his thorough and gentle care of clients.

Al Lapotko IV is married with 3 kids and 2 dogs. In his spare time, he enjoys cooking and in the summer months he enjoys spending time on the lake with his wife and kids doing some boating!!

You're in Good Hands ...

Since 1915, Home State Bank has established a strong reputation with individual consumers, real estate professionals, and homebuilders.

You can be confident that your chosen mortgage consultant will guide and advise you on which product would best suit your unique home financing needs. We will provide loan status reports so that you are informed throughout the lending process.

Our online capabilities provide you with many conveniences that extend beyond normal business hours, however, we pride ourselves on establishing long-term relationships that are best formed through face-to-face interactions.

NMLS Institution ID N0. 478452

Get the Cash You Need

Owning a home is more than just a personal milestone; it's a smart financial move. Over the years, as you've diligently made mortgage payments, your home has likely appreciated in value. This means you've built up valuable equity.

Tap Into Your Equity

Imagine being able to unlock that equity for immediate needs. Meet Cash-Out Refinancing: your financial Swiss Army knife. By swapping out your existing mortgage for a new one—this time, one that's larger than your outstanding balance—you can free up a lump sum of cash at closing.

But Why Consider Cash-Out Refinancing Now?

You might be wondering, with current mortgage interest rates, why go for a new mortgage that could have a higher rate? Great question. The power of Cash-Out Refinancing isn't just in the immediate liquidity—it's in the financial flexibility it offers. Many homeowners are using it to consolidate debts, which often have much higher interest rates.

Home Renovations: Investing In Your Sanctuary

Speaking of financial flexibility, let's talk renovations. Upgrading your home isn’t just about slapping on a new coat of paint; it’s about enhancing your lifestyle and increasing your property value. A cash-out refinance is an excellent tool to fund these improvements. Whether you're adding a home office, updating your kitchen, or finally building that dream backyard oasis, you're not just making your home better—you're making a long-term investment. Best of all, you're improving on an asset you already own, thereby saving yourself the upheaval and expense of shopping for a new home in a market of escalating costs.

Your Trusted Mortgage Expert

  • Home State did a great job of assisting us on the finance end of our search for a new home. Once the offer was made and the ball was rolling all staff contacts with Home State Bank were pleasant, professional, and timely. Would highly recommend them.
  • Working with Home State was easy. Very knowledgeable and explained every step taken on the way to purchasing our new home. I would highly recommend working with them.
  • My wife and I just completed a re-finance on our second home in Florida. Home State was awesome to work with, which did not surprise us since we have handled several mortgages for us in the past at HSB, always with great enthusiasm, professionalism, and communication. Excellence in action.

Partner with Al

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