Personal Loans Conventional Home Loans Home Improvement Loans  
Land and Lot Loans Construction Loans Home Equity Lines of Credit
Automobile Loans Student Loan Resources Citizens Ready Cash

We can help even more! We can deduct your monthly loan payment directly from your Citizens First Bank checking or savings account…or you can pay it online!

 

Meet our Personal Lenders

 

Lori Welsh Consumer Real Estate Lender

Lori Welsh
Consumer & Real Estate Lender
NMLS ID 507498
563-519-0661

Eddie Dunham Consumer Real Estate Lender

Eddie Dunham
Consumer & Real Estate Lender
NMLS ID 503767
563-519-0662

Greg Farwell Consumer Real Estate Lender

Greg Farwell
Consumer & Real Estate Lender
NMLS ID 507834
563-519-0639

Shelly Davies
Consumer Lender
563-519-0638

Mary Temple
Consumer Lender
563-519-0656

Kris Wiersema
Consumer Lender
563-519-0660

Citizens First Bank NMLS ID 500158


 

Personal Loans

Options available based on your specific needs.

  

  • Competitive fixed interest rates and terms
  • Automatic payment from your Citizens First Bank checking or savings account available

 

 


 

Conventional Home Loans

Competitive Fixed Rate Mortgages or Adjustable Rate Mortgages available.

  

  • Low down payment required for purchases
  • Use for cash out, home improvements, or debt consolidation
  • Fixed rate terms available
  • Loans are serviced by Citizens First Bank 

 

 


 

Home Improvement Loans

A short-term loan to pay for those long awaited home improvement projects. 

  • Competitive fixed interest rate and terms
  • Interest you pay may be tax deductible (consult your tax advisor)

 

 


 

Land and Lot Loans

Found your dream location but not ready to build? Give us a call!

 

  • Competitive interest rates and terms
  • Competitive term lengths available based on your specific needs

 

 


  

Construction Loans

Loans for your home building needs.


  • Competitive interest rates
  • Interest only payments 
  • Competitive term lengths

 

 


 

Home Equity Lines of Credit

This handy line of credit is secured by the equity in your home and can be used for any purpose.

 

  • Use the equity in your home to your advantage
  • Use for home improvements, debt consolidation, vacation, or emergency fund

 

 


  

Automobile Loans

Come see us first to arrange your pre-approved vehicle credit to finance your new or pre-owned car, truck or van.

 

  • Competitive fixed interest rates
  • Automatic payment from your Citizens First Bank checking or savings account available

 

 


 

Student Loan Resources

The links below are just a few that may help you find information to fund college:

 

  • SallieMae 
  • Federal Stafford loans are fixed-rate student loans for undergraduate and graduate students attending college at least half-time. Stafford loans are the most common and one of the lowest-cost ways to pay for school. Click here to learn more about Stafford Loans.
  • Federal Student Aid, an office of the U.S. Department of Education, ensures that all eligible individuals can benefit from federally funded or federally guaranteed financial assistance for education beyond high school. We consistently champion the promise of postsecondary education to all Americans —and its value to our society.Click here to learn more about Federal Student Aid.  

 


Citizens Ready Cash

Overdraft protection to cover shortfalls in your checking account.

 

  • Competitive fixed interest rates
  • Automatic debit from your checking account

 

 


 

 Other Loan Products

 

  • USDA Rural Development Loans
  • FHA Loans
  • FHA Refinancing
  • VA Loans
  • Recreational Vehicle Loans
  • Citizens First Bank Credit Cards
  • Business Loans
  • Agricultural Loans