Commercial Real Estate
Buy/Mortgage
Whether you want a loan to buy, rent or refinance, Citizens State Bank has a plan that fits.
Land/Lots
Citizens State Bank is the community leader in real estate lending and is ready to help you grow.
Build/Remodel
No matter what your construction or renovation plans are Citizens State Bank has the right loan for you.
Buy/Mortgage
Rate: Variable
Maximum Term: 120 Months
Maximum Amortization:
180 Months
Maximum Advance: 80% of the appraised value or cost*
*Whichever is less.
Land/Lot
Rate: Variable
Maximum Term: 120 Months
Maximum Amortization:
180 Months
Maximum Advance: 80% of the appraised value or cost*
*Whichever is less.
Build/Remodel
Rate: Fixed
Maximum Term: 24 Months
Maximum Amortization:
24 Months
Maximum Advance: 80% of the appraised value or cost*
*Whichever is less.
Apply for a real estate loan today.
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 Managers with any questions you have. They will be happy to help you in any way possible.
How do I estimate how much I might be able to borrow?
There are several ways to gauge how much you might be able to borrow. Our land loan qualifier calculator can help give you an idea – click here. Or contact one of our seasoned and knowledgeable Real Estate Loan Managers. They’ll be happy to discuss your options with you and answer any questions you have.
Can I pre-qualify for a mortgage?
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.
How long does it take to close on a real estate loan?
Closing a real estate loan typically takes four weeks.
What fees are involved?
The fees involved vary depending on the type and size of the loan. If you have any questions in regards to what fees you can expect please contact one of our Real Estate Loan Managers.
Will I need to pay for a property appraisal?
Yes, you will need to pay for a property appraisal as part of your agriculture real estate loan.
What rate will I be offered?
Bernice Coates
Chief Lending Officer
Email: bcoates@citizensbank.net
Phone: 409.283.2561 Ext. 2358
NMLS: 591665
For general inquires please call 877.621.7658 Ext. 2370 or email us at: csb@citizensbank.net
