Home Loans

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Transform your dreams into reality.

For decades we’ve worked with our neighbors to help them buy, remodel, and refinance their homes. Our mortgage lenders understand how to make the process less intimidating and advocate for you from pre-approval through closing. To learn more, talk to a lender today.

Fixed & Adjustable-Rate Loans

A popular option for home purchases and refinancing, we have fixed and adjustable-rate mortgages (ARMs) in varying term lengths.

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First-Time Homebuyers

We have the products, services, and expertise to make buying your first home as fast, easy, and stress-free as possible.

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Construction Loans

Get the funds you need to build your home, along with the convenience of converting to a permanent mortgage when construction's complete.

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Jumbo Mortgages

If your dream home comes with a larger price tag, we have options that go beyond conventional loan limits.

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Home Equity Line of Credit

Our lenders can help you access the funds you need, when you need them, by leveraging the equity in your home.

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Home Equity Loan

Tap into your home’s equity for big expenses or refinance your mortgage to better align with your financial goals.

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Disclaimer: This calculator is provided by a third party for educational purposes only. Citizens State Bank is not responsible for the accuracy or completeness of the results. Using this tool does not constitute an offer, representation, or guarantee by Citizens State Bank for any product or service. We recommend consulting a Citizens State Bank representative for personalized advice. Citizens State Bank is not liable for any actions or decisions made based on the information provided by this calculator.

 

Resources

TOOLKIT ARTICLE CALCULATORS CHECKLIST Blog

Your Home Loan Toolkit can help you make better choices along your path to buying a home. 

DOWNLOAD

 

Mastering the Home Buying Process:  A Buyer's Guide. This is a Realtor's insight to home shopping and buying.

READ

 

These Mortgage Calculators can help you make the financial decisions involved in purchasing or refinancing a home.

CALCULATORS

The Truth About Buying Your First Home
gives the guidance you need to prepare, plan, and build a strong foundation for successful homeownership.

DOWNLOAD YOUR FREE GUIDE NOW

Stay on top of your mortgage education with expert insights on everything from PMI to refinancing. Our Mortgage Wellness Blog is your go-to resource for smarter home financing decisions.

ACCESS ARTICLES

Meet Your Team

Put a lending professional on your side. From pre-approval through loan closing, our team of Lending Specialists is knowledgeable, experienced, and capable. They can help you find the loan that’s right for you.

 

Cassandra Miller

Mortgage Team Leader

P: 765-521-6545

M: 765-274-1008

NMLS: 647312

  • New Castle - Broad Street
  • Rushville
Cassandra Miller's Email Link Cassandra Miller's LinkedIn Link Cassandra Miller's Zillow Link MORE INFO

Ken Hall

Regional Mortgage Loan Officer

P: 317-844-5170

M: 317-752-3160

NMLS: 623077

  • Pendleton
  • Carmel
  • Fishers
Ken Hall's Email Link Ken Hall's LinkedIn Link Ken Hall's Zillow Link MORE INFO

Melanie Parker

Regional Mortgage Loan Officer

P: 765-348-1055

NMLS: 500071

  • Hartford City - Walnut Street
  • Knightstown
  • New Castle - Raintree
  • Union City
Melanie Parker's Email Link Melanie Parker's LinkedIn Link Melanie Parker's Zillow Link MORE INFO