USDA Mortgage Loans in Wisconsin and Minnesota

Finding the perfect home is a dream for many, and at Citizens State Bank, your trusted mortgage lender for USDA loans, we’re here to help make that dream come true. Our USDA loan offerings are designed to support homeownership in rural and suburban areas, backed by the U.S. Department of Agriculture. This program provides an accessible path to purchasing a home without the burden of a hefty down payment. At Citizens State Bank, serving Wisconsin and Minnesota, we are committed to guiding you through this process with expertise and personalized service.

USDA loans are a great choice for those interested in buying in rural and suburban communities, offering a government-backed opportunity to own a home without the traditional financial hurdles. As a leading mortgage lender for USDA loans, we specialize in supporting eligible homebuyers in these designated rural areas, aiming to stimulate economic growth and enhance the quality of life. 
Eligibility Criteria

• Income Limits: These loans vary by location and family size. As a mortgage lender for USDA loans, we’ll work with you to determine eligibility based on these guidelines, ensuring that you meet the necessary financial thresholds.
• Credit and Employment: While USDA loans have flexible credit requirements, a stable income and employment history are essential. Our experienced team is here to help you understand these requirements and get your application ready accordingly.

1. Pre-Qualification: The pre-qualification process begins with gathering essential financial documents and assessing your eligibility for a USDA loan. Our team is here to consult with you, ensuring a seamless and stress-free experience.
2. Application Submission: During the application submission phase, you will need to provide detailed financial documents and complete the necessary forms. Citizens State Bank guides you through this step, facilitating a straightforward submission process.
3. Loan Processing: Our team meticulously reviews your application for compliance and accuracy during the loan processing stage. We coordinate with relevant parties to ensure the process moves forward smoothly.
4. Approval: Once approved, you will receive confirmation regarding your loan approval. Our team will keep you informed on timelines and next steps, ensuring clarity and confidence as you proceed.
5. Closing: The closing step finalizes the loan agreement. You will complete all necessary paperwork, transitioning smoothly into homeownership with the support of Citizens State Bank.

Zero Down Payment
One of the standout features of a USDA loan is the zero down payment option, making it possible for eligible buyers to secure a home without upfront costs. This benefit alone can significantly ease the financial burden typically associated with home purchases.
Competitive Interest Rates
USDA loans provide competitive interest rates, frequently lower than those associated with conventional loans. As your mortgage lender for USDA loans, we help you capitalize on these rates, leading to substantial savings over the life of the loan.
Flexible Credit Requirements
Another advantage is the flexible credit requirements. USDA loans are designed with lenient credit guidelines, allowing more individuals to qualify. This is especially advantageous for first-time homebuyers or individuals with imperfect credit histories.
No Private Mortgage Insurance (PMI)
Moreover, a USDA loan does not require private mortgage insurance (PMI), saving borrowers additional costs. The elimination of PMI significantly lowers monthly costs, enabling homeowners to handle their finances with greater efficiency.

Choosing the right lender is as important as choosing the right loan. At Citizens State Bank, we pride ourselves on our expertise and deep local knowledge of Wisconsin and Minnesota markets. As your dedicated mortgage lender for USDA loans, our team is well-versed in these products, ensuring that you receive the best advice and support tailored to your needs.

We are dedicated to delivering tailored customer service, recognizing each client as a distinct individual with specific needs. From the first inquiry to the final closing, our dedicated staff is here to support you every step of the way, offering guidance and solutions tailored to your situation.

Being deeply embedded in the communities we serve, Citizens State Bank values trust and reliability. We are not just a bank; we are part of the community, investing in the growth and prosperity of the areas we serve. This community focus reinforces our commitment to serving you with integrity and dedication.

We invite you to take the next step in your homeownership journey with Citizens State Bank. As a leading mortgage lender for USDA loans, our team of mortgage experts is ready to assist you in securing the USDA loan you need, providing the support necessary to make informed decisions. Whether you’re just starting to explore your options or are ready to apply, we’re here to help.

Contact us today at 715-386-9050 to learn more about USDA loans or begin your application process. Let Citizens State Bank be your trusted partner in achieving your dream of homeownership in Wisconsin or Minnesota.