Citizens State Bank offers Construction Loans to make your construction project run smoothly from start to finish! 

• Flexiblity working with a local lender
• Local decisions
• Fast turn around time to closing
• Customized to fit your individual needs
• Smooth draw process

Contact our Mortgage Loan Specialists to discuss your construction project today!

Construction Loans typically require interest-only payments during the construction and become due upon completion.

You, the contractor and the lender establish a draw schedule based on stages of construction, and interest is charged on the amount of money disbursed to date.

A construction loan, unlike a mortgage, isn't meant to be around for a long time.

Citizens State Bank Midwest can help with your permanent financing. We offer many mortgage options at low fixed rates.

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Bemidji North Office	Bemidji South Office
LTieman@csbmidwest.com	BBaker@csbmidwest.com
NMLS #214806	NMLS #460562