Making monthly payments on your home rather than paying rent can build a lifetime investment
and offer many valuable tax advantages. Come in and see for yourself how a mortgage loan
from Citizens State Bank can give you the pride and rewards that come from home ownership.

| WHAT TO BRING WITH YOU WHEN APPLYING FOR A HOME LOAN - Your two most recent pay stubs for all borrowers.
- Your most recent bank statements for two months.
- The last two years tax returns if self-employed.
- Your property tax bill if it's available.
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Now is a great time to look at our refinance options:
CASH OUT
Use the existing equity in your home to get cash out for tuition,
savings, or home improvements; and make it tax deductible!
DEBT CONSOLIDATION
Payoff your high-interest credit card debt, and lower your overall monthly payments!
the interest on the mortgage could be tax deductible; the credit card insterest is not!
LOWER RATE OF PAYMENT
Trade your adjustable rate mortgage for an attractive fixed-rate mortgage;
saving you lots of money in interest - both today and in the future.
For more information, contact:
| | Citizens State Bank is committed to making your financing experience as worry-free as possible. With CSB, you can feel secure that your home loan is being treated like one of our own - because to us, it is! | |