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. 

Apply Online Now
Apply with Megan
Megan Holcomb NMLS#452652     
Call: 715-235-3164
 		 Apply with Jamie
Jamie Van Pelt NMLS#1229275
Text/Call: 715-377-7016




Steve Miller NMLS#452650
Text/Call: 715-377-7030
Flexible Loan Programs for Home Ownership
When it comes to home ownership, having access to flexible financing options is crucial. At Citizens State Bank, we offer a variety of loan programs tailored to fit your specific needs. From conventional (30 and 15 year terms), to home equity loans in Wisconsin and Minnesota, we make it easy to build, buy, remodel or refinance homes. 

When Does it Make Sense to Refinance? 
Refinancing your home can be a smart financial move. It may be a great option for home owners who want to:

  • 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

Learn about the different types of mortgages available to help finance your dream  home. Our lenders can help you choose the one that fits your financial situation and goals. 

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 either Wisconsin or Minnesota home equity loans 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 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! Inquire here.

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. 


Enjoy a 24-Hour Home Loan Decision Guarantee!

Waiting for a home loan decision can put you in a weak negotiating positing. Even with a pre-qualification letter, the wait can drag on up to weeks. Enjoy fast, hassle-free home loan approvals with Citizens State Bank's mortgage lending programs in Wisconsin and Minnesota. Get approvals in as fast as 24 hours!

Apply Now