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Mortgage Products

We offer more than the standard mortgage products at City State Bank. We specialize in a wide variety of home lending programs to ensure you get the ideal solution.

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Our Goal: The Right Solution, Every Time

With an investment as large as your home, it’s important to work with a local lender who has your best interest in mind. Our home lending team’s expertise, knowledge of the local area, and commitment to outstanding service, all work together to help you get into your home with the optimal loan solution.

Lot/Construction Loans     Home Loans     Home Equity Loans


Lot & Home Construction Loans

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Planning on building the home of your dreams? We have the financing you need! We focus on keeping things simple, and have options in place for purchasing a lot, the construction process, and transitioning your loan from the construction phase to living in your new home.

Home Loans

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Adjustable Rate Mortgages (ARMs)

As their name implies, ARMs have an interest rate that fluctuates based on market conditions. Our lenders can help you understand whether an ARM is the right solution for you.


Fixed Rate Mortgages

A good solution for long-term homeownership, fixed rate mortgages have an interest rate that stays the same for the life of the loan. Multiple terms are available to fit your specific need.


Government Mortgage Programs

For lending options outside of standard loan programs, we offer a number of government loans from the Federal Housing Administration (FHA), United States Department of Agriculture (USDA) and the U.S. Veterans Administration (VA).

Talk to a home lender at City State Bank to see if a government loan program is right for you.


Jumbo Mortgages

For more expensive homes and property, our jumbo mortgages offer a solution with a very similar process to our standard mortgage application. If you’re considering a high-dollar home purchase, be sure to get in touch with one of our Home Lender.


Home Equity Loans

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HELOC- Home Equity Line of Credit

Put the built-up equity in your home to good use with a Home Equity Line of Credit! Our lenders will help you identify how much equity you have, and will structure your HELOC to fit with your budget.

Your revolving line of credit can be used for practically any cash needs. Our HELOCs are particularly useful if you experience ups and downs with your income throughout the year. Get in touch with any of our retail lenders today to get started!


Home Equity Loans

Another lending option utilizing your home’s equity, these loans provide a lump sum for an immediate cash need. We’ll help you discover how much built-up equity you have, and will turn that into the financing you need with a repayment plan structure to fit your financial situation.

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