Mortgage Loans
Searching for a reliable mortgage lender? With a variety of loan options, competitive rates, and personalized service, Citizens State Bank makes the homebuying process simple and stress-free. Start your journey to homeownership today.
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Apply with Megan
Megan Holcomb NMLS#452652
Call: 715-235-3164
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Apply with Jamie
Jamie Van Pelt NMLS#1229275
Text/Call: 715-377-7016
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Purchasing a home is big deal. Whether it be your 1st home, retirement home or anything in between, we will help you find the perfect home loan. There are several options: Conventional Loans, USDA Loans, FHA Loans, VA Loans, Specialty Loan Programs, and Non-Conforming Property Loans. |
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Want to know more about the different loans available for purchasing your home? Click here for more information! |
Flexible Loan Programs for Home Ownership
When Does it Make Sense to Refinance?
- Lower their interest rate: A lower interest rate can save you money on your monthly mortgage payment and long term interest charges.
- Reduce the loan term: Shortening the length of your loan can help you build equity faster and pay off your mortgage sooner.
- Convert an adjustable rate loan to a fixed rate loan: This provides more financial stability and predictability, especially if you plan to stay in your home for a while.
- Cash-out refinance: Use the equity in your home to get access to cash for home renovations, debt consolidation, or other expenses.
Types of Mortgages We Provide
1st Mortgage Loans
Home Equity loans and Lines of Credit
Use the equity in your home to get access to the cash you need to do the things you want or need to do. Interest rates on loans secured by Wisconsin or Minnesota properties are often lower than traditional consumer loans. The interest may even be tax deductible. (Always consult with your tax advisor.) Apply Online
Construction Loans
This loan is designed to pay for the construction of a home and to provide periodic disbursements to the builder as they make progress. We know the building process can be overwhelming and we can help! Apply Online
Lot and Recreational Land Loans
Looking to purchase a lot to build on or recreational land to simply enjoy? We can help you understand your options and find a loan that will work best for you. Inquire here. Apply Online
Waiting for a home loan decision can put you in a weak negotiating positiion. Even with a pre-qualification letter, the wait can drag on for weeks. Enjoy fast, hassle-free home loan approvals with Citizens State Bank's mortgage lending programs for Wisconsin and Minnesota properties. Get approvals in as fast as 24 hours!