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Home > Mortgage Services > Home Mortgages

Home Mortgages


At Citizens State Bank, we understand that buying your home is one of the most important financial decisions you'll ever make. Whether it's your first home, second home, investment (rental) property, or farm, we have a variety of products to help fit your needs.


Fixed Rate Mortgages

Mortgages where neither the interest rate nor the principal and interest payment will change during the entire term. This loan is suitable for credit worthy borrowers who desire a fixed monthly payment and who want to lock in the interest rate on their loan for the entire term.


Balloon Mortgages

A balloon payment mortgage is a mortgage which does not fully amortize over the term of the note, thus leaving a balance due at maturity. The final payment is called a balloon payment because of its large size. A balloon payment mortgage may have a fixed or a floating interest rate.


First Time Homebuyer Programs

If you are a first time homebuyer, contact one of our mortgage lenders today to find out the different ways we can help you purchase your first home.


USDA Rural Development Program

The Rural Housing Program is designed for moderate, low, and very low income borrowers. It offers financing options for those borrowers who would not qualify for conventional or FHA loans without additional assistance. The program requires little or no down payment or out-of-pocket costs.


Bridge and Construction Loans

If you’re considering building your dream home, Citizens State Bank offers bridge and construction loans at competitive rates. With our long-term rate locks, you’ll have the peace of mind of knowing that you have protection against unexpected delays that are common with new construction.


Second Home and Investment Property Loans

If you are going to be purchasing a second home or investment property, Citizens State Bank has a mortgage product that will fit your needs.



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