Citizens Bank Minnesota Mortgage Department

Home Loans

Welcome to our Mortgage Center!

Applying online is as easy as 1-2-3!  Whether you are buying your first home, your second, an investment property or refinancing...we are only a phone call, text or email away!

WooHoo! Mortgage

The Best Affordable First Time Homebuyer Program!

First time? It's OK! We know that buying a home, especially your first home, can be a little intimidating. Let our experienced Mortgage Lenders guide you through the door of your first home!

  • Low rate
  • Low down payment
  • Must be a 1st time home buyer

Closing costs as low as $800!
The $800 closing costs assumes a $100,000.00 30-year fixed rate loan for a consumer first time home mortgage loan that is secured by a lien on a dwelling with 360 monthly payments of $470.24 with a 3.889% Annual Percentage Rate (APR). 10% down payment required. Loan approval is subject to credit approval and program guidelines. Payment example does not include amounts for taxes and insurance premiums. The monthly payment obligation will be greater if taxes and insurance are included.

Home Equity Loans

When you need extra cash, don't sit around your house worrying about it -- use your house to get it! Your house is your most valuable asset, so use your home equity to get financing for your next major purchase. Use it to pay for new furniture, educational costs, a vacation, or even to renovate that very same home!

  • Low rates
  • Flexible terms
  • Use it for anything

Top 21 Mortgage Terms

Confused about some mortgage terms? We've compiled the "Top 21" Mortgage Terms in a video format for you to watch and learn more about!

Family in front of their house

Homeowners Insurance

Protect your home with homeowners insurance! Talk to one of our team members about coverage options today!

Investment & Insurance products: Are Not Insured by the FDIC or any other federal government agency • Are not deposits of or guaranteed by a Bank or any Bank Affiliate • May Lose Value