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Personal Real Estate Loans

You've got a plan for the future and we've got a plan for you

Buy / Mortgage

Are you looking to purchase a new house? Whether you want a loan or refinancing, Citizens State Bank has a plan that fits your future.

Learn more...

Land / Lots

Have you found the perfect spot for your dream home, but aren’t ready to start building yet? Do you want to invest in land or a lot in a new development? Citizens State Bank is ready to help you complete your dream.
Learn more...

Build / Remodel

Are you having trouble finding your perfect home? No matter what your construction or renovation plans are, Citizens State Bank has the right loan for you.

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Citizens State Bank is your community leader in real estate lending

Real Estate Loan Details

1-4 Family Mortgage

  • Rate: Variable
  • Maximum Term: 120 Month
  • Maximum Amortization:
    360 Months
  • Maximum Advance: 80% of the appraised value or cost*
  • *Whichever is less.
  • Click here for a tool-kit to assist you in your 1-4 Family Construction Loan
    REQUIRED DISCLOSURES: Click here for the ARM Disclosure, or here for the CHARM Booklet.

Land/
Lot

  • Rate: Variable
  • Maximum Term: 120 Month
  • Maximum Amortization:
    180 Months
  • Maximum Advance: 80% of the appraised value or cost*
  • *Whichever is less.







1-4 Family Construction

  • Rate: Fixed
  • Maximum Term: 12 Month
  • Maximum Amortization:
    12 Months
  • Maximum Advance: 85% of the appraised value or cost*
  • *Whichever is less.







Investment Property

  • Rate: Variable
  • Maximum Term: 120 Month
  • Maximum Amortization:
    180 Months
  • Maximum Advance: 80% of the appraised value or cost*
  • *Whichever is less.







HAVE QUESTIONS ABOUT YOUR REAL ESTATE LOAN?

It’s natural to have questions about the loan process and outcomes. The brief FAQs below will help answer your questions; however, if not, feel free to contact one of our Real Estate Loan Specialists. They will be happy to help you in any way possible.

There are several ways to gauge how much you might be able to borrow. Our mortgage qualifier calculator can help give you an idea - click here. Or contact one of our seasoned and knowledgeable Real Estate Loan Specialists. They’ll be happy to discuss your options with you and answer any questions you have.

We do not currently offer pre-qualification; however, we offer personalized consultations to help you determine how much you are able to borrow. 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 in regards to these fees please contact one of our Real Estate Loan Specialists.

Yes, you will need to pay for a property appraisal as part of your real estate loan.

The rate you will be offered is based on the type of product you're applying for, your credit score and other financial information. Without this data we cannot estimate the rate you will qualify for. If you would like a more information, please contact one of our Real Estate Loan Specialists.

Contact:

Bernice Coates
Real Estate Loan Manager
Email: bcoates@citizensbank.net
Phone: 409.283.2561 Ext. 2358
NMLS: 591665

Ashley Wolfe
Real Estate Sales Fulfillment Specialist
Email: awolfe@citizensbank.net
Phone: 409.283.2561 Ext.2354
NMLS: 1527021


For general inquires please call 877.621.7658 or email us at: csb@citizensbank.net

Citizens State Bank, your real estate loan partner!

Financial Calculators


For your convenience, several financial calculators are provided below.

Rent vs. Buy

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

Refinance Breakeven

Determine if refinancing your current loan is right for you. This calculator
will help determine when
you’ll breakeven.
Click here

Mortgage Qualifier

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

Mortgage Loans

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

Click here

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