Residential Loans

Citizens State Bank’s experienced lending representatives understand your community. We live here, too! We have been helping families construct, purchase, and refinance homes in our hometowns for decades, and we would be honored to help you. We offer residential lending solutions for purchase and construction and can assist with refinancing. Or unlock your equity with a Home Equity Line of Credit (HELOC).

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Purchasing a home is one of the biggest financial decisions a family can make. Our veteran lenders will work with you to design a loan that meets your needs. We know that many houses in our communities are not traditional homes on traditional lots. We have the flexibility and expertise to loan on many types of homes including shop and berm homes. Our approval process is expedient, and you will be dealing with the same staff from start to finish. We pride ourselves on offering low closing costs, making your loan closing as easy as possible.

For purchasing a rental property, please see our commercial lending page.

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Stuck in a loan that no longer fits? We can help you lower monthly payments, shorten your loan term, or simply find a better fit. Our lenders can guide you through the refinancing process. We have terms to fit every situation, timely approvals to keep the process moving, and reasonable closing costs to fit your budget.

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Unlock financial flexibility with a home equity line of credit (HELOC) from Citizens State Bank. A HELOC is a convenient way to leverage the equity in your home to achieve financial goals, whether you’re planning a home renovation, covering unexpected expenses, or pursuing new opportunities. You can borrow the money as you need it and repay with flexible terms. Your interest may even be tax deductible. Please see a loan officer at your local branch for details.

Bring your vision to life with a tailored construction loan from Citizens State Bank. We have the flexibility and experience necessary to structure a loan to fit your unique situation, no matter the type of home you are building. We can finance the purchase of your lot or acreage, the construction of your home, and any other improvements. We can then provide you term financing for your completed home. Our ability to provide financing throughout the entire process will cut your costs while saving you time and hassle.