Make the home of your dreams reality with the help of Citizens Savings Bank. Keep your budget on track with competitive rates and flexible terms. Find fast processing and friendly service right around the corner, thanks to our local lending experts. And ensure a smooth transition from the construction phase to mortgage payments. See your plans take shape — talk to a lender today!

  • Competitively low rates for your home construction project
  • Available for primary residence or second home construction
  • Save money up front with zero point mortgages
  • Rate reduction of 0.25% for setting up payment through Citizens Savings Bank deposit account
  • Flexible terms customized to your unique situation
  • Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
    • Get a single closing with a construction period from 6-9 months
  • Pay off interest quicker; payments are interest-only during construction phase
  • Payments are made on the amount drawn on your loan sufficient to pay your builder
  • Construction draws applied in stages based on work completed
  • Local decision-making and processing
  • Attentive, friendly service from start to finish