Real Estate Loans | Citizens State Bank

Buy or Build Your Way

At Citizens State Bank, we provide a variety of real estate loan options designed to fit your needs, whether you’re purchasing a home, building on a lot, or investing in property.

With flexible terms and competitive rates, we’re here to help you achieve your real estate goals with confidence.

Visit a convenient location to learn more about our loan options and discover which choice is right for you.

Apply Now

We Offer Real Estate Loans For

Mortgage

Rate: Variable*

Maximum Amortization: 360 months

Maximum Advance: 90% of appraised value or cost, whichever is less.

Land & Lots

Rate: Variable*

Maximum Amortization: 180 Months

Maximum Advance: 75% of appraised value or cost, whichever is less.

Family Construction

Rate: Variable*

Maximum Term: 12 months

Maximum Amortization: 12 months

Maximum Advance: 90% of appraised value or cost, whichever is less.

Investment Property

Rate: Variable*

Maximum Term: 120 months

Maximum Amortization: 180 months

Maximum Advance: 80% of appraised value or cost, whichever is less.

Find Your Dream Home With the Right Mortgage Loan

Buying a home is one of the biggest financial decisions you’ll make. That’s why you need a financial partner you can trust.

Our mortgage loans are designed with flexible terms and competitive rates to help you secure the home you’ve been dreaming of.

Whether it’s your first home or your forever home, our Real Estate Loan Specialists will walk you through the process and make financing simple.

Apply Now

A couple holding boxes in their home and smiling at each other.

Pick the Perfect Place to Build With a Lot Loan

If you’ve found the ideal piece of land for your future home or investment, a Citizens State Bank lot loan can help you secure it.

With flexible terms and financing, we’ll help you get started on the foundation of your plans.

Visit a convenient location and speak with one of our knowledgeable Real Estate Loan Specialists to learn more about your options.

Apply Now

Transform Your Space With a Construction or Remodeling Loan

From building your dream home to making major improvements, our construction and remodeling loans give you the power to create the space you’ve always wanted.

Move forward confidently knowing your vision is backed by a strong financial partner.

Talk to a Real Estate Loans Specialist today, at any of our convenient locations, to bring your dreams to life.

Apply Now

Kitchen construction with blue, unfinished cabinets.

Not Sure If a Real Estate Loan Is Right For You?

Use one of our financial calculators to see which option might be best for you.

Rent Vs. Buy

Trying to decide if you should rent or buy? This calculator can help you determine which will be better for you.

Rent vs Buy Calculator

Refinance Breakeven

Determine if refinancing your current loan is right for you. This calculator will help determine when you’ll break even.

Refinance Breakeven Calculator

Mortgage Qualifier

Before you settle on your dream home, find out how much you can afford. This calculator will help you determine a budget.

Mortgage Qualifier Calculator

Mortgage Loans

Use this calculator to determine your monthly payments and amortization schedule.

Mortgage Loan Calculator

Contact us for more information

*The rate you will be offered is based on the type of product you’re applying for, your credit score, and other financial information. If you would like more information, please contact one of our Real Estate Loan Specialists.

There is a $500.00 fee on all real estate loans in addition to one percent of the loan amount and all costs incurred on your behalf. If you have any questions regarding these fees, please contact one of our Real Estate Loan Specialists.