We Specialize in Creating Custom Mortgage Solutions
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.
Our Lending Team
Royal Oak
Tom Klar
Mortage Lending Officer
tklar@micsb.com
NMLS# 1032198
Hyassant Najor
VP, Business Development Officer
hnajor@micsb.com
NMLS# 1625007
Ontonagon
Ann Lantz
EVP, Market President
alantz@micsb.com
NMLS# 1577167
Take our One-Minute Home Buy-Ability Test
Request For Call Back
Are you interested in opening a checking account with us? Or maybe you are ready to get the home from your dreams? We are always happy to hear from you. Fill in the form and we will get back to you as soon as possible.
Please do not to put any personal or account information in this form, it is not secure. To ask about specific information about your account, please use Our Secure Form.
The CSB Difference
Outstanding Service
We thrive by building personal relationships with our clients, we will always put you first.
FDIC Insured
Deposits are FDIC-insured up to the maximum allowed by law, $250,000 per depositor, per bank, per category. Additional bank services are available to maximize your FDIC Insurance coverage. Ask us how!
Full Service Bank
Our collection of products and services rivals that of the big banks.
110+ Years of Service
Our years of experience means that you can count on us.