Personal Mortgages

You have Citizens State Bank on your side when you’re buying, building,remodeling, or refinancing a home. We don’t believe one program fits all situations. That’s why we offer a number of loan programs. 

Unsure about what you may qualify for? Try our mortgage qualifier calculator today! 

24-Hour Home Loan Decision Guarantee

It's like walking in with a cash offer! Be in the best negotiating position when you find your next home. Our program is one step further than a pre-qualification letter; we will have your home loan decision within 24 hours. The only pending items would be a satisfactory appraisal and title search. 

 Contact Us Today!

When Does it Make Sense to Refinance? 

There are lots of good reasons to refinance. You may want to lower your interest rate, reduce the term of your loan or convert an adjustable rate loan to a fixed rate loan. The decision to refinance can be difficult and that is where we can help. Your local Citizens State Bank mortgage lending professional will be able to help you break down this process to see if it is right for you. 

Get a loan program that’s right for you 

Our loan programs include: 

  • Conventional loans 
  • Jumbo loans for high-value homes 
  • FHA loans
  • VA guaranteed loans 
  • USDA loans for rural communities
  • Bridge loans 
  • 80/10/10 residential program
  • Major Renovation Loans

We also offer loans for income-producing properties, manufactured homes, homes with extra acreage like hobby farms. 

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 home equity loans are often lower than traditional consumer loans. The interest may even be tax deductible. (Always consult with your tax advisor.) Inquire here

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. 

A Local Team Focused on You

You want your loan experience to be as smooth and painless as possible. We do too. So we listen, ask questions and work with you to find the right loan for you. We will be there every step of the way, from the application process to your closing. Select one of our knowledgeable mortgage lenders, or if you prefer having us contact you, complete the loan inquiry form.  


 Jeffrey Henn                                                          Jamie Van Pelt               

NMLS# 524117                                                                       NMLS# 1229275 
Direct Line: 715-377-7003                                                    Direct Line: 715-377-7016 


 Steve Miller                                                       Megan Holcomb

NMLS# 452650                                                                     NMLS# 452652
Direct Line: 715-377-7030                                                  Office #: 715-235-3164