Personal Loans
Looking to get more life out of your money? We have the solutions to help your dreams go further. Whether it be a personal loan to cover expenses, a home, land, vehicle, or ag-related loan, we've got you covered.
Local Advantages Make Home Buying Easier
Whether you're buying or building your first house, remodeling your forever home or financing a major milestone, a CSB home loan can help make it happen. We get to know you before finding the right solution for your current, and future goals.
The home-buying process is complicated enough without having to worry about finding the right financing. We can make things simpler. With more than 95 years of financial strength behind us, we'll guide you toward the right loan solution, work alongside your real estate agents and builders, and keep communication open at every step.
Tap into Your Home's Equity
As life changes and your financial needs shift, we can help you use your home to fund the next phase.
Build Your Dream
Building a home can be as stressful as it is exciting. Unforeseen costs arise. Traditional home loans don't kick in until construction is complete. Learn more about construction loans from your CSB representative.
Mortgages Types
You May Be Approved for One of the Following Loan Type (All loans subject to borrower qualifications)
Citizens State Bank now offers Conventional and Government mortgages for home purchases, rate/term refinances, home equity loans, and construction to permanent financing. Available loan programs include products for primary residences, second homes, and investment properties. You can now access the same rates and terms offered by larger banks with the convenience of working through your local bank. All loans are subject to borrower qualifications.
Conventional - Typically a great option for buyers not looking to stay in a new home for many years, or those who plan to make partial or full payoffs within a shorter period of time.
Fixed Rate Mortgage - Enjoy the stability of constant rates and payments with a Fixed Rate Mortgage from CSB. Fixed terms of 30, 20, or 15 years help make budgeting easier and more concrete.
FHA & VA Mortgage - Federal programs, often requiring little or no money down, can help make the dream of home financing - and home ownership - available and affordable for many borrowers.
USDA - Government-sponsored, affordable housing programs designed for the non-traditional homebuyer in rural areas.
Jumbo - Currently a loan is considered jumbo when it exceeds $548,250. Jumbo Mortgages provide funds necessary to purchase or refinance the dream homes of those with jumbo dreams.
With many confusing offers out there, make the local choice from CSB.
A purchase pre-approval is a great first step in your home buying journey. Some of the benefits include:
Have confidence when making an offer
Accelerate the loan approval process
Establish credibility with seller
FAQs
What is the approval process?
- Initial Consult
- Submit application and financial documents
- Pre-Screen (LTV, DTI, Credit Score, Financial Documents)
- Underwriting
- Clear-To Close
- Closing
What financial documents do I need?
Documents Required for Loan Approval - Additional Information may be requested as needed. Please disregard any that don’t apply.
All Borrowers
- W-2s for all employment in the last two years
- Pay stubs for the last 60 days
- Bank statements for the last 60 days
- Statements for other sources of income such as dividends, stock earnings, bonuses, pensions
- Social Security or disability income
- Retirement/Trading Accounts
- Proof of homeowners insurance
- Driver License
- Existing Survey
Self-Employed Borrowers
- 1099s
- Signed & dated YTD profit & loss statement for Business
- Business bank statements for the last 90 days
- Tax returns for the last two years - Personal & Business (*See below)
*If a tax return for the previous year has not yet been filed, underwriting will require a profit & loss statement for the full year.
Find the right loan application you need
Simple Secured Loans
A new vehicle purchase doesn't have to complicate your budget. CSB offers secured loans with a simple monthly repayment schedule. We can even automatically pull payments from your CSB checking or savings account.
Loan can be used to purchase or refinance a new or used vehicle of your choice.
- Car Loans
- Truck Loans
- Boat Loans
- RV Loans
- Motorcycle Loans
Personal Loan
Personal loans give you flexibility to take more control over your finances. Prepare for the unexpected, consolidate debt to simplify your budget - we can help you get access to the cash you need to do it all. Loans start from as little as $1,100 up to $10,000 and rates are based on current market and credit worthiness.
Student Loan Programs
Need a loan to help pay for college? Through our partnership with College Avenue Student Loans, we make it easy to choose the student loan that is right for you.
Features
- New loans to help you pay for college
- College Avenue loans can help undergraduate and graduate students with school expenses
- Loans for parents who want to help cover the cost of college for their kids
- Refinance existing loans after graduation
Benefits
- Simple application, helpful tools and a personalized loan experience to help create a loan that works best for you and your budget
- After graduation, refinancing your existing student loans can reduce your monthly payment and even the total cost of your loan
- Combining multiple loans into one loan can make repayment easier and simplify your life
More Information - Get Started
- Easy online application
- Get your refinance rate in 60 seconds
- No application or prepayment fees
- Build a repayment plan that fits your budget
