Home Mortgages

Citizens State Bank makes it easy to finance your home with quick, local decisions.

Conventional Mortgage

This is a home loan that might be a good fit if you have an established credit history and can make a standard down payment.

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First Time Home Buyers Mortgage

Specifically designed for those purchasing their first home. We lend our experience to make the process easy.

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Adjustable Rate Mortgage (ARM)

An ARM might be right for you if you’re looking for a lower initial interest rate and are ok with the possibility of higher rates later.

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Jumbo Home Loans

If you’re eyeing a luxury property or a home in a high-cost area, a jumbo loan can provide the larger financing you need.

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Vacation Home Loan

Dreaming of a second home or a getaway spot? A vacation home loan is tailored to help you finance that special retreat.

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Home Equity Loans & HELOCs

If you want to tap into the equity you’ve built in your home for projects or expenses, these products offer flexible borrowing options.

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Land Loans

For those looking to purchase raw land or undeveloped property, a land loan provides the specialized financing you need.

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Construction Loans

If you’re building your dream home from the ground up, a construction loan offers short-term financing you need.

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Not sure which mortgage is the right one for you?

Reach out to our team of mortgage experts to find the exact mortgage that fits your needs.

Contact Our Mortgage Experts