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Home Mortgages


Mortgage Products

Our team of experienced lenders and support staff will provide you with fast turn around time in processing your real estate transaction for a quick and efficient closing. We would appreciate the opportunity to provide you with all of your real estate credit needs.

To learn more information, or to apply please visit our Mortgage Web Center!

Home Equity Lines of Credit

We offer Home-Equity loans to meet a variety of needs. Our home-equity loans are competitively priced with minimal closing costs. It is a convenient way for you to “write your own loan” when you need it. We provide fast and efficient processing of your application to provide for a prompt closing. It is a great way to establish a line of credit for future unanticipated needs. For more information, contact one of our experienced mortgage lenders today!


We offer construction loans for an interest only basis during construction. There are minimal costs involved and we can qualify you for a permanent fixed-rate term mortgage at the time you apply for your construction loan.

We disburse funds right at the bank allowing for prompt service when you make draws on your loan during the construction process. Contact one of our experienced lenders today to start building on your dream home, or apply online!

Fixed Rate

Our bank is an approved seller and servicer for Freddie Mac loans. This allows us the advantage of being able to not only approve your loan request on a local basis, but also the ability to lock in a fixed rate for the term of the mortgage.

Another benefit we provide as an approved Freddie Mac seller and servicer is that we handle the servicing of your loan locally. Our policy has been to retain the servicing of your loan so that it is not sold to other lenders that you may not know.

To find out more information, look at rates, or apply online visit our Mortgage Web Center!

Second Mortgage

First Citizens State Bank offers a variety of mortgage options to meet your credit needs and a second mortgage is a perfect example! Similar to a home equity line of credit, where the equity you have built in your home is utilized for collateral, but the terms are different based on the intended use of the proceeds. This option is perfect for lower amount one-time purchase requests, auto purchase, smaller home improvements projects, etc. Contact one of your mortgage professionals to see if this option works best for you.

Home Buyer Assistance

We work with a variety of new homebuyer assistance programs which make home ownership more affordable. These programs can provide potential home owners with grants to help with down payment and closing costs. First Citizens State Bank participates in the programs shown below:

USDA / Rural Housing

Single Family Housing Guaranteed Loan Program Assists in providing low– and moderate– income households the opportunity to own primary residences in eligible rural areas.

  • Must meet income-eligibility and have an eligible address.
  • Agree to personally occupy the dwelling as their primary residence
  • Demonstrate willingness to meet credit obligations in a timely manner
  • No down payment required

Home Consortium

Down payment assistance program provides eligible home buyers with a forgivable loan of up to $10,000 to be used for down payment and/or closing costs.

  • Eligible Properties: owner-occupied, single family, HUD price limits for each qualifying county.
  • Eligible Applicants: household income requirements and debt-to-income qualification
  • Participation in pre-purchase home buyer counseling

Down Payment Plus

Through the Downpayment Plus Program, up to $10,000 may be available to eligible homebuyers to use toward down payment and closing costs.
Homebuyers must meet income eligibility requirements and:

  • Contribute at least $1,000 to the purchase of the home
  • Participate in pre-purchase home buyer counseling
  • Live in the home as your primary residence


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