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Types of Loans

Fixed Rate Mortgage

The first choice of most mortgage customers, fixed-rate mortgages offer security and peace of mind by locking your mortgage interest rate for the entire term of your loan. 30-year fixed mortgage payments are the most common and affordable, but ask one of our mortgage loan officers to show you the difference in a shorter-term fixed-rate mortgage loan like a 15-year or a 20-year.

Construction to Permanent

Interested in building your own home? We’ll work with you from start to finish. With this type of mortgage, you pay interest on only the money you have borrowed to date as you go through the construction process.

We also make sure your permanent financing is at competitive rates, and we’ll happily assist you with the construction paperwork so you can focus on the important things like paint swatches and carpet samples.

Rural Development (RD) Loan

It is available for qualified applicants with moderate income looking to purchase a home outside of major metropolitan areas. It features a 30 year fixed interest rate and no down payment.

To see if your income or a specific property is eligible, contact one of our mortgage loan officers today.

Federal Housing Authority (FHA) Insured Loan

Insured by the Federal Housing Administration, this is a great loan for homebuyers with limited savings and low to moderate income. It features a low down payment—and the down payment can be a gift, a grant, or a secured loan.

Home Equity Line of Credit (HELOC)

If you own your home, you have buying power. Use the equity you’ve established to help pay for unexpected expenses or short-term financial needs with a home equity line of credit.

This flexible financing tool is a revolving line of credit, so it works like a credit card. The interest rate will adjust with the prime lending rate.

To apply for a home equity line of credit, please contact one of our mortgage loan officers.

Home Equity Loan

You can use the equity on your home to borrow money to pay for home improvements, medical expenses, vehicles and other financial needs.

A home equity loan, also called a “second mortgage” since it’s secured against the value of your home, is different from a HELOC in that you will receive the full amount of the loan in a one-time lump sum at closing.

Both home equity loans and HELOCs use the equity in your home as collateral, but Home Equity Loans are fixed-rate loans with a fixed payment schedule, similar to a car loan or a first mortgage.


The Citizens State Bank/Home State Bank, a part of The Citizens State Bank
PO Box 110, Moundridge, KS  67107
Direct:  (620) 327-4941
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