Unlock the Possibilities With Specialty Home Loans
Finding the right mortgage can be a challenge, especially if your needs don’t fit into the typical mold. Whether you’re navigating a timeline overlap between buying and selling homes, financing a complex property, or pursuing a dream build, Citizens State Bank is here to guide you. Our specialty home loan options are crafted to fit unique situations, giving you the flexibility and support to achieve your real estate goals.
What Makes Specialty Home Loans Different?
When it comes to financing a home, not every situation is the same. Specialty home loans offer customized solutions for borrowers with unique needs. Unlike traditional lending options, these loans are designed to adapt to non-standard circumstances, helping buyers achieve more flexibility and control in the process.
What sets Citizens State Bank apart is our local expertise and commitment to finding solutions for challenges that others might see as obstacles. Whether it’s securing a swing loan to help you move between two homes or tackling the purchase of a high-value property, a specialty home loan can make the difference.
Benefits of Specialty Home Loans:
- Flexibility: Tailor financing to fit your timeline, property type, or income structure.
- Creative Solutions: Designed for borrowers needing specific options, such as those transitioning between homes or building from the ground up.
- Support from Experts: Our knowledgeable local team ensures an easy, transparent process where your needs always come first.
Types of Specialty Home Loans We Offer
Special circumstances call for specialized solutions. Citizens State Bank provides several types of specialty home loans to meet your unique goals. From moving into your dream home without disruption to securing funds for a custom build, we’ve got you covered.
Here are some examples of specialty options we provide:
- Bridge Loans/Swing Loans: When you’ve found your new home but haven’t closed on the sale of your current one, a bridge loan or swing loan can help you cover the gap. This temporary financing solution gives you the flexibility to move forward confidently, knowing funds are available while your existing property sells.
- Construction Loans: For those ready to turn their dream homes into reality, our construction loans provide structured financing for the building process, with payment options tailored to fit project timelines.
- Financing for Unique Properties: Whether it’s a multi-unit building or a distinctive property outside traditional lending terms, we offer options to make these purchases possible.
- Lot or Land Loans: When you’ve found the perfect piece of land in Wisconsin or Minnesota but aren’t ready to build, our lot loans help you secure your future spot with ease.
No matter your specific goal, our team is ready to pair you with the right specialty home loan to support your ambitions.
Since specialty home loans are designed with flexibility in mind, eligibility often varies based on individual circumstances and the type of loan you’re pursuing. The good news? You don’t have to make this determination alone.
Our experienced lending team is here to help at every step, ensuring a smooth process. When you meet with one of our experts, we’ll work together to identify the right loan program for you, review eligibility factors, and ensure everything is clear from the start.
Here’s what you can expect when applying for a specialty home loan with Citizens State Bank:
- Documentation requirements tailored to your loan type, such as proof of income, property details, or building plans.
- Open dialogue to discuss how your unique circumstances align with available financing options.
- Transparent communication to keep you informed throughout the process.
We know specialty situations call for extra care and expertise. That’s why we lead with understanding and collaboration to make the process as seamless as possible.
The Flexible Application Process
Applying for a specialty home loan shouldn’t feel overwhelming. At Citizens State Bank, we simplify every step, giving you the confidence to move forward with the support of a trusted team.
Step 1: Connect With a Loan Officer
Schedule an appointment at one of our Wisconsin branches or connect online to discuss your goals with a lending expert. Whether it’s transitioning with a swing loan or planning a new build, we’ll start by listening to your needs.
Step 2: Submit Your Documentation
Once the right loan option is identified, we’ll guide you through gathering and submitting the necessary documents, keeping the paperwork process hassle-free and easy to understand.
Step 3: Review and Process
Our local decision-making process ensures quicker responses and personalized care. You’ll stay updated on the progress, never having to wonder about the next step.
Step 4: Secure Your Loan and Move Forward
Once everything is approved, you’ll be ready to move forward—whether that’s breaking ground, moving into your new home, or bridging the gap between properties with a swing loan.
Continued Support and Resources
At Citizens State Bank, our support doesn’t stop at closing. We’re passionate about serving our Wisconsin communities with insights, tools, and advice that help our customers achieve continued success.
What we offer:
- Expert Guidance: Whether it’s navigating your bridge loan or unexpected questions down the line, we’re always available to help.
- Planning Resources: Explore financial calculators, budgeting tools, and guides to help you stay on track.
- Dependable Relationships: Our commitment extends well after your loan is complete. We’re proud to stay connected as you grow toward new goals.
With a history of helping local customers achieve homeownership, we’re dedicated to being here when you need us, ensuring your financial decisions are supported every step of the way.
Every situation is different, and that’s why Citizens State Bank offers specialty home loans to match your needs. From bridge loans to construction financing, our team is with you every step of the way, offering local expertise and friendly service you can trust.
If you’re ready to explore your options, contact us today at 715-386-9050or visit one of our conveniently located offices across Wisconsin. Together, we’ll help you take the next step in crafting the life and home you’ve been dreaming of.