Mortgage Loans

At Citizens State Bank, we understand what an exciting, stressful, and important step buying a home can be. We offer a variety of different home purchase plans and will happily help you select the mortgage loan plan that best fits your financial goals. Citizens State Bank offers the following choices to homebuyers:

• First-Time Homebuyer Programs*
• Rural Development Guaranteed Loans*
• Long-Term Fixed Rate Loans
• Home Equity Loans
• Home Equity Lines of Credit (HELOC's)
• Adjustable Rate Mortgages (ARMs)
• Balloons
  
  * Programs subject to state funds availability

We invite you to talk with Mike Schmalen to find out how Citizens State Bank can help you make the home of your dreams a reality!