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Buying, building, or refinancing? Let’s make it happen.

Home is all about comfort, which is why we want to make sure you’re comfortable with your home financing, too. When you apply for a mortgage from Citizens Bank, you’re joining the thousands of homeowners who have turned to us for help.
 
As you learn about the good things we do for our customers, we hope you’ll think to tell others about us, too! Check out our Referral Rewards Program, where the rewards are all around.
 

Trust us to finance your future.

We know you have many choices when it comes to picking a lender. That’s why we work hard to deliver a kind of care and a mix of amenities you can only find at Citizens Bank.

 

Fast & Free Pre-Approvals

More complete than a pre-qualification, a pre-approval from Citizens Bank tells you how much home you can comfortably afford – and one from a reputable bank can also add credibility to your offer to purchase.
 
 

In-House Loan Servicing

Have a question about an escrow payment? Need help after an insurance loss? We’re here for you. We service most of our loans in-house, meaning you call us directly – not a toll-free number – for help and answers.

Quick, Local Decision Making

Rather than shipping your application off to some faraway land, we review your application internally, and in most cases, we can approve your mortgage in just a few days.
 

Personalized Service + Online Convenience

Apply with the help of an experienced, dedicated loan officer – or on your own, at your convenience, using our online mortgage application. We’re always here to help you throughout the process – how much or how little you need us is up to you.

The right loan for your home.

Our lenders are here to work through the options with you, to find your perfect mortgage match.
 
 

Fixed Rate Mortgage Loans

Know exactly what your monthly payment will be for the next 15, 20, or 30 years when you lock in with a fixed rate mortgage loan.
 

Adjustable Rate Mortgage Loans

Enjoy a lower initial rate that is fixed for 5 or 7 years, then adjusts according to market conditions. A great option for those who don’t plan to stay in their home for the long term.
 

Jumbo Loans

Sometimes, bigger is better. When you’ve got your sights set on a larger home, you’ll need a larger mortgage to get you in the door. Our Jumbo Loans allow us to lend above the conforming loan limit.
 

Construction Loans

Build the home of your dreams with an interest-only construction loan. After the construction period, easily modify to a standard fixed or adjustable rate mortgage – no second loan closing required.
 

Lot Loans

If you’ve found the perfect piece of land but aren’t ready to build quite yet, a Citizens Bank lot loan is just what you need.
 

Low Income & Low Down Payment Options

We partner with several local agencies – including the Wisconsin Housing and Economic Development Authority (WHEDA) – to make homeownership a reality for those who may not qualify for a traditional mortgage.
 
 

Investment Property Loans

Is your dream to become a landlord? Talk to our experts about ways we can make a residential investment property happen for you.
Group of middle age friends sitting around a dining table in conversation
The Citizens Bank Referral Rewards Program

Tell someone you know about our home loans, and when they submit a completed mortgage application, we’ll give you a $100 gift card to enjoy at a select local business. The friend or relative you refer is also rewarded – with $300 off loan closing costs!