A Message from Our President

April showers bring May flowers and new thoughts about owning a new home. Although mortgage rates have risen slightly it’s still a great time to buy a new home, build or refinance. The current rates are still near historical lows and all economic indicators are the rates will continue to rise in the foreseeable future; why wait to buy a new home, build, or refinance? Before getting serious about looking for a new home, or consider a major remodel or addition, I highly advise meeting with one of our mortgage lenders. With over 60 years of combined experience, our mortgage lenders are the best in the industry and provide necessary expertise to reduce your costs and stress.

Buying or a building/remodeling a new home is one of the most stressful events a family goes through. Consequently, it is very important to work with a bank and a lender who will reduce stress by offering advice, efficiency, and responsiveness without last minute surprises. Thankfully, this is what our mortgage lenders offer to all our customers. Every bank offers home loans; and for the most part, the rates and the fees are very similar. The real difference is in the relationship and service you will receive. Thankfully this is what the Citizens Experience represents and this sets us apart from our competitors.

We offer every home mortgage loan product that the big banks do including FHA, VA, and Rural Housing. However, we make the process easier by reducing your stress and costs. If you are thinking of building, we are currently offering great construction loan specials that are customized to your project. In addition, we handle all construction disbursements vs a title company which decreases costs and hassle.

Not all mortgage lenders are equal and you deserve the best! If you are thinking of buying a new home, building or refinancing; please call one of our experienced mortgage lenders today before mortgage rates increase further.  If you prefer to apply online please visit , and one of our mortgage lenders will follow up with you promptly! Happy spring!

Dennis J. Vogel
President & CEO