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.
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.
We thrive by building personal relationships with our clients, we will always put you first.
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.
External Link Disclaimer
Important Notice About External Links
From time to time, we provide links to other websites for the use of our visitors, which have been compiled from internal and external sources. By clicking “Continue” below, you will be opening a new browser window and leaving our website. Although we have reviewed the website prior to creating the link, we are not responsible for the content of the sites.
Information on linked website pages may become dated or change without notice, and we do not represent or warrant that information contained on these linked pages are complete or accurate. We suggest that you always verify information obtained from linked websites before you act upon such information.
Regular e-mail is not necessarily secure against interception. If your communication is very sensitive or includes personal information such as your account numbers, credit card number, or social security number—you may want to call us, send it through the U.S. Post Office, or use our Secure Contact Form.