Young family sitting on front porch

Home Mortgage Loans

On this page:
  • Shop with confidence when you know how much home you can afford
  • Learn how we can help you buy, build, or refinance your home
  • Download the Citizens Bank Home Loans Mobile App
  • Discover strategies to make the most of your situation
  • Browse all of the different types of loans we offer


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.

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.

Quick Links

Screen shots of home loan mobile app

Citizens Bank Home Loans Mobile App

Whether you're a homebuyer in the market to purchase or a current homeowner interested in refinancing, the Citizens Bank Home Loans App has a feature for you. 
 
Compare options
Compare different lending scenarios using various loan programs to help determine which product is the best for you.
 
Calculate savings
Calculate the possible savings (or cost) of refinancing your mortgage.
 
Determine readiness
Determine if homeownership is an affordable option for you now based on your current income and monthly expenses. 
 
Apply for a loan
If you've found the perfect property or are still on the hunt for the right home, apply for a mortgage in just minutes.
 
Get the app today by searching Citizens Bank-WI Home Loans or tap a button below.
 
Download the Citizens Bank WI Mobile App on the App StoreGet the Citizens Bank WI Mobile App on Google Play

Starting an application is as easy as 1-2-3!

When you are ready to buy, build, or refinance -- or if you want a pre-approval to help with your home search -- contact our lending team or use our online application. The choice is yours!
 
 

Strategies that go beyond the basics.

Sometimes, you have an idea what you want to do but aren't quite sure how to do it. Maybe you're hoping to buy a new home before your current one sells. Or, you might be looking for options to tap into equity with a cash-out refinance. Our lenders are here to share their experience and help you find the best plan for your situation. Let's start the conversation today.
 



The right loan for your home.

Let us help you find your perfect mortgage match.
NMLS #746419
Know exactly what your monthly payment will be for the next 10, 15, 20, or 30 years when you lock in with a fixed rate mortgage loan.
Enjoy a lower initial rate that is fixed for 3, 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.
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.
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.
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.
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.
 
Is your dream to become a landlord? Talk to our experts about ways we can make a residential investment property happen for you.