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.
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Apply with Megan
Megan Holcomb NMLS#452652
Call: 715-235-3164
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Apply with Jamie
Jamie Van Pelt NMLS#1229275
Text/Call: 715-377-7016
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Flexible Loan Programs for Home Ownership
When Does it Make Sense to Refinance?
- 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
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.
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!