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

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. 

Steve Miller NMLS#452650
Text/Call: 715-377-7030

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 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 for properties 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

Among the things aspiring homeowners must be familiar with are the available mortgages in Hudson, WI. Understanding your options can lead you to real estate opportunities that work with your lifestyle. 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.

1st Mortgage Loans 

These loans are what secure the financing for your home. There are many different types. Click here to review the type of 1st mortgage loans available.

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

Enjoy a 24-Hour Home Loan Decision Guarantee!

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!

Apply Now