Personal Mortgages

A Local Team Focused on You

You want your loan experience to be as smooth and painless as possible. We do too. We listen, ask questions and work with you to find the best fit. We will be there every step of the way, from the application process to your closing. Select one of our knowledgeable mortgage lenders, or apply here.


Contact one of our lenders today!

             
 
Jamie Van Pelt NMLS#1229275
715-377-7016
                                  
"I truly appreciate the opportunity to help borrowers finance, refinance or build their dream home"




Apply with Megan

Megan Holcomb NMLS#452652     
715-235-3164
 
"My favorite part about being a mortgage lender is getting to know each and every one whom I work with" 




 
Steve Miller NMLS#452690
715-377-7030
 
"I enjoy helping people understand the mortgage loan process and see them get to the finish line" 





Building, buying, remodeling or refinancing your home, we are there for you.  We offer a number of loan programs because we all know, one size does not fit all.

Get a loan program that’s right for you 

Our loan programs include: 

  • Conventional loans 
  • FHA loans
  • VA Loans 
  • USDA loans for rural communities
  • Construction loans
  • Non-conforming Properties/Excess Acres loans
  • Recreational Land Loans
  • Residential Lot loans
  • Specialty Loans (Bridge or Swing loans)
  • Major Renovation Loans

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. 


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.


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.