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Owning a home should be easy. We can help with your mortgage loan.

 

Your home should be a place of joy and your home loan should help you achieve your overall financial goals, regardless of where life takes you.
Financing is constantly changing so contact one of our advisors for a quick analysis to see if you are in the right financial structure for where you are today.
Citizens State Bank offers mortgage loan solutions that cater to your needs.

HOME PURCHASING
 

Looking to buy your first home? Need more room for an expanding family? Seeking to downsize now that the kids are gone? Thinking about buying a vacation home or rental property? Looking at a home that needs work? Out-bid on a home? We provide affordable purchase financing so you can act swiftly in today’s competitive market.

HOME REFINANCING


High credit card bills? College tuition on the horizon? Furnace breakdown or roof leaking? Medical bills piling up? Marriage breakdown?  Don’t let life events knock you off your financial plan. Give us a call to see how you can tap the equity in your home to stay on course.

CONSTRUCTION OR RENNOVATION
 

Whether you are building your dream home, need space to work, feel the walls of your home are closing in on you, or just want a new look, we can provide financing to help you get it done quickly and affordably. Give us a call to learn how.

Apply Now

OUR LOCATIONS

 

Citizens State Bank - Royal Oak

32500 WOODWARD AVE.

ROYAL OAK, MI, 48073

Main: 248-833-6160 E-mail: proc@micsb.com

 

Citizens State Bank - Ontonagon

501 RIVER ST.

ONTONAGON, MI, 49953

Main: 906-207-6800 E-mail: alantz@micsb.com

  • Company State Licenses
  • Privacy Policy

NMLS 729779     |     FAIR LENDER     |     FAIR HOUSING

Citizens State Bank offers mortgages through its State of Michigan Bank charter which is a permissible activity for such bank’s per the Michigan Banking Code as revised in 1999.  As a state and federally regulated bank, It requires no other license or certification other than maintaining its State of Michigan Bank Charter.  Only non-bank mortgage originators require state licensing.

32500 WOODWARD AVE, ROYAL OAK, MI 48073

248-833-6160    |    proc@micsb.com

NMLS 729779     |     FAIR LENDER     |     FAIR HOUSING

Citizens State Bank offers mortgages through its State of Michigan Bank charter which is a permissible activity for such bank’s per the Michigan Banking Code as revised in 1999.  As a state and federally regulated bank, It requires no other license or certification other than maintaining its State of Michigan Bank Charter.  Only non-bank mortgage originators require state licensing.