Find a loan that's a perfect fit for your dream home
Service you can count on
Citizens State Bank offers access to a wide range of home loans through our trusted mortgage partners.
All kinds of options
Choose fixed-rate or adjustable-rate loans or finance through government-backed programs.
Keep costs down
Benefit from our borrower-friendly interest rates and closing costs.
Build a better loan
Refinancing your current mortgage can reduce interest charges or trim your monthly payment.
Helping our neighbors become homeowners for over 100 years
Hunting for your dream home can involve months of studying online listings, scouting neighborhoods and touring with real estate agents. The good news is that finding the right loan can take a lot less effort. At Citizens State Bank, we work closely with experienced mortgage lenders who can answer all your questions, offer details of loan options and guide you through the application process.
- Fixed-rate mortgage
- Lock in an attractive rate that won't rise no matter how long you own your home. Loan terms of 30, 20, or 15 years help make it easier to set your current budget and plan for the future.
- Adjustable-rate loans
- Enjoy lower rates for the first few years of your mortgage. When the initial period ends, your rate may be periodically adjusted up or down - but rate caps limit the size of any increase.
- FHA Loans
- Government-backed mortgages help people with modest incomes and asset levels purchase homes. Relaxed credit requirements and down payments as low as 3.5% are just two of the benefits of FHA loans.
- VA Loans
- Active duty military, veterans, reservists, National Guard members and some military spouses can qualify for loans that feature 0% down payments in most cases and that do not require private mortgage insurance (PMI).
- USDA
- This government-sponsored housing programs includes a number of financial advantages - including 100% financing - for borrowers who wish to live in rural areas and certain suburbs.
- Jumbo loans
- These loans are for borrowers with bigger homes or those relocating to neighborhoods with high housing values. Currently a loan is considered jumbo when it exceeds $548,250.
Already own your home? Put your investment to work for you.
Explore our Home Equity Loans and discover how you can use your home’s value to fund renovations, consolidate debt, or cover life’s big moments.
