Mortgage Loans

Owning a home should be easy. We can help with your mortgage loan.

Your home should be a place of joy and your home loan should help you achieve your overall financial goals, regardless of where life takes you. Financing is constantly changing so contact one of our advisors for a quick analysis to see if you are in the right financial structure for where you are today. Citizens State Bank offers mortgage loan solutions that cater to your needs.


Home Purchase Mortgage

  • Looking to buy your first home? Need more room for an expanding family? Seeking to downsize now that the kids are gone? Thinking about buying a vacation home or rental property? Looking at a home that needs work? Out-bid on a home? We provide affordable purchase financing so you can act swiftly in today’s competitive market.

Home Refinance Mortgage

  • Is your current mortgage payment difficult to manage? Can you afford to pay more each month on your loan? Has your credit or employment improved since you closed your loan? Has the value of your home increased? Thinking of moving or renovating in the next five years? Give us a call today to see if we can help your home help you.

Cash Out Refinance

  • High credit card bills? College tuition on the horizon? Furnace breakdown or roof leaking? Medical bills piling up? Marriage breakdown?  Don’t let life events knock you off your financial plan. Give us a call to see how you can tap the equity in your home to stay on course.

Construction or Renovation

  • Whether you are building your dream home, need space to work, feel the walls of your home are closing in on you, or just want a new look, we can provide financing to help you get it done quickly and affordably. Give us a call to learn how.

Connect with a local Mortgage Broker

Our loan experts will be your trusted guide to personalized mortgage solutions. Whether you want to buy, improve, or access equity in a home we can help you achieve your goals. 

Mortgage Team

Royal Oak – Rana Adou

Ontonagon – Ann Lantz and Eric Butterbach


Mortgage Calculators

Adjustable Rate Mortgage Calculator

This calculator helps you to determine what your adjustable mortgage payments will be.

ARM vs. Fixed Rate Mortgage

Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

Bi-weekly Payment Calculator

Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.

Maximum Mortgage

Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.

Mortgage APR Calculator

Use this calculator to find the APR on your mortgage.

Mortgage comparison: 15 years vs. 30 years

Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.

Mortgage Loan Calculator

Use this calculator to determine your monthly payment and amortization schedule.

Mortgage Payoff

Save thousands of dollars in interest by increasing your monthly mortgage payment.

Mortgage Points Calculator

Should you pay points? Use this calculator to find out.

Mortgage Qualifier

Can you buy your dream home? Find out just how much you can afford!

Refinance Breakeven

Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Refinance Interest Savings

Use this calculator to see how much interest you can save by refinancing your mortgage!

Rent vs. Buy

Are you financially better off buying your home, or should you continue to rent? (of course, homeownership is as much about stability and quality of life as financial return, but only you can assign those aspects values).