Home Loans

Buy. Build. Remodel.

Whether you're buying, building or remodeling a home, you can count on the real estate experts at Citizens State Bank to guide you through the process.

Homebuyers Mortgage

With record low interest rates and the same great, small town customer service you've come to expect with Citizens State Bank, now is the time to stop in and see us for purchasing or refinancing your home.

Don't miss!! Try our online Mortgage Payment Estimate Calculator to find out what your rates and payments might be.

Home Equity Loans

Our home equity line of credit (HELOC) product can help you finance major expenses such as home repairs, medical bills or a college education.

If you own your home and with rates at a record low, now is the time to stop in and let Citizens State Bank help you through those times where you may be short on funds.

What to expect

When you're ready to apply for a mortage or home equity loan, having these documents/approvals ready will help streamline the process:

  • Two years of tax returns
  • Two years of W-2 forms
  • Paystubs for the past 30 days
  • Bank statements for the past two months

Ready to get started?

Just contact one of Citizens State Bank's real estate experts below and let us help you get where you want to be. Whether it's an in-house loan with local service or a secondary market loan, we have a product for you!

Talk to the experts

Susanne Snead

Location: Wyoming
Phone: 563-488-2211
Fax: 563-488-2226
NMLS ID #774965

Joel Ahrendsen

Location: Wyoming
Phone: 563-488-2211
Fax: 563-488-2226
NMLS ID #1454680

Jessica Nicely

Location: Oxford Junction
Phone: 563-826-2231
Fax: 563-826-2409
NMLS ID #1554327
NMLS ID #1554327

Bree Kilburg

Location: Maquoketa
Phone: 563-652-2211
Fax: 563-652-7038
NMLS ID #651147