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Home Mortgage Loans In Wisconsin

Are You Outgrowing Your Current Home?  

Searching for a reliable mortgage in Wisconsin? Make your homebuying process simple and stress-free with our various loan options, competitive rates, and personalized service. Start your journey to homeownership today by applying with our trusted mortgage lenders at Citizens State Bank. 
 
Understanding Which Loan Is Right for You
  • Conventional Loans: Ideal if you have a good credit score and a down payment available. Best for primary homes, second homes, or investment properties.
  • USDA Loans: Perfect for low- to moderate-income borrowers in eligible rural or suburban areas who want a zero-down option.
  • FHA Loans: Great for first-time buyers or those with less-than-perfect credit. Very flexible, with modest down payment and relaxed underwriting.
  • VA Loans: Best for veterans, active-duty military, and eligible surviving spouses. No down payment and no PMI make it an incredibly valuable benefit.
  • First Time Home Buyer Programs: WHEDA, HomeReady, HomePossible, and down payment assistance can significantly reduce upfront costs.
  • Specialty Loans: Bridge or swing loans let you buy a new home before selling your old one.
  • Non-Conforming Loans: For non-standard properties (like manufactured homes, hobby farms, or investment real estate) that don’t fit traditional underwriting.
A conventional loan is any mortgage that is not guaranteed or insured by the US government, such as VA, FHA, and USDA. When most people think of a mortgage, they’re thinking of a conventional loan.  You can qualify with just 3% down and a 620 -plus credit score.
  • Down Payment as Low as 3%
  • No PMI (Private Mortgage Insurance) with 20% Down Payment
  • Eligible for 2nd Home or Investment Property
  • Lower Interest Rate for Borrowers with Good Credit 
A USDA home loan is a zero-down payment mortgage for eligible rural and suburban homebuyers. They’re issued  by the United States Department of Agriculture through the Rural Development Housing Program. Despite the name, many suburban areas qualify for USDA financing. Find out if your new home-to- be is in a designated rural development area. If so, you may qualify for one of the best mortgage programs available.                                           
  • No Required Down Payment
  • Low Fixed Interest Rates
  • No Prepayment Penalty
An FHA loan is a mortgage insured by the Federal Housing Administration (FHA). FHA allows lenders to offer loans with below-average interest rates, easier credit requirements, and low down payments. FHA Loans are more popular with first-time, lower-income, and/or lower-credit home buyers, thanks to their flexibility and low rates. FHA financing is not limited to first time home buyers.
  • Down Payment as Low as 3.50%
  • Relaxed Credit Standards
  • Competitive Rates 
A VA Loan is guaranteed by the United States Department of Veterans Affairs (VA). The Program is designed for American Veterans including U.S. military, reservists and select surviving spouses (provided they do not remarry). It can be used to purchase single-family homes, condominiums, and multi-unit properties. The VA does not originate loans, but sets the rules for who may qualify, issues minimum guidelines and requirements under which mortgages may be offered. They financially guarantee loans that qualify under the program.  The basic intention of the VA Home Loan Program is to supply home financing to eligible veterans and to help veterans purchase properties with no down payment.
  • No Required Down Payment
  • Relaxed Credit Standards
  • Competitive Rates
  • No Mortgage Insurance
Being a first-time homebuyer can be a bit overwhelming. Did you know there are programs that can help with buying a home? These loans offer low down payment options specifically for the first-time home buyer. Contact us to see which of these programs may be right for you. 

• WHEDA (Wisconsin Housing and Economic Development Authority)
• Minnesota Housing
• Fannie Homeready
• Freddie Homepossible
• Down Payment Assistance Programs
A Specialty Loan Program is a unique type of Temporary Loan that allows you to purchase or build a new home without selling your current home first. 
  • Bridge or Swing Loan
  • Monthly Interest-only Payments
  • Possibilities of 100% financing for the purchase of new home
  • Competitive rates
A Non-Conforming Property Loan is a loan to finance income producing properties, manufactured homes, excess land or hobby farms. Properties that do not qualify for conventional or government loan programs.
  • Purchase or Refinance
  • Competitive rates
  • Finance up to 80%
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  • Deep Local Roots and Community Focus: As a community bank headquartered in Wisconsin, Citizens State Bank is deeply invested in helping local homebuyers succeed. We make lending decisions locally, which means faster responses, more personalized service, and genuine care for your financial goals.
  • Relationship-Driven Banking: We believe in long-term relationships, not just transactions. Our mortgage officers take the time to understand your situation, walk you through every step of the process, and remain your trusted partner long after closing.
  • Comprehensive Mortgage Options: From government-backed programs (like VA, FHA, USDA) to specialty loans, we offer a full suite of mortgage solutions that fit a wide range of borrower profiles and needs.
  • Competitive Rates and Flexible Terms: Whether you're looking to minimize your down payment, lock in a low rate, or build your dream home, we work to structure your loan for both value and flexibility.
  • Community Reinvestment: Every dollar borrowed or deposited with us stays right here in our communities. That means when you finance with us, you're also helping support local development and growth.
  1. Initial Consultation: Talk with one of our mortgage specialists to explore which type of home loan fits your situation, whether you're buying, refinancing, or building.
  2. Pre-Approval: We evaluate your income, credit, and assets to determine how much you can borrow. Pre-approval helps you shop confidently for your home.
  3. Loan Application: Apply with friendly support from our underwriting team. We'll guide you through the necessary documentation, including income verification, assets, employment, credit, and more.
  4. Lock Your Interest Rate: Once you're ready, we’ll help you lock in a competitive rate so you can plan your future payment.
  5. Underwriting and Appraisal: Our in-house or partner underwriters evaluate your loan while a licensed appraiser assesses your property.
  6. Closing: We coordinate with title companies and closing agents to finalize your mortgage. You’ll receive clear instructions and support along the way.
  7. Post-Closing Support: After closing, we continue to serve you. Whether you want to refinance later, pay down principal, or explore another home loan, we’re here for the long haul.
Our Commitment to You
At Citizens State Bank, our mission is to build long-term relationships based on trust, transparency, and local expertise. When you choose us for your home loan, you’re gaining a partner who cares about your goals and your community.
We’re proud to serve Wisconsin homebuyers with integrity, personalized service, and the financial strength to support your homeownership journey, from first-time buyers to seasoned investors.
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