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Mason City (641)423-1600 Change Location

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Mason City Change Location

2601 4th Street SW
Mason City, IA 50401


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Sat: 9:00am - 12:00pm
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  • Charles City Branch
    300 North Main Street - Charles City

  • Clarion Branch
    315 Central Avenue East - Clarion

  • Kanawha Branch
    220 North Main Street - Kanawha

  • Latimer Branch
    119 North Akir Street - Latimer

  • Mason City State Street Branch
    33 East State Street - Mason City

  • Mason City West Branch
    2601 4th Street SW - Mason City

  • Mora Branch
    730 Forest Ave East - Mora

  • New Hampton Branch
    124 West Main Street - New Hampton

  • Osage Branch
    501 Main Street - Osage

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Home Blog Looking to Build, Buy, or Remodel?

Looking to Build, Buy, or Remodel?

Looking to Build, Buy, or Remodel?

Now is the time to line up that construction loan, mortgage loan or, maybe you just want to remodel your home and need a line of credit or home equity loan. The place to start for any of those is First Citizens Bank!

Construction Loans. While some people search for their dream home among a pool of houses already built, others prefer to customize them by building on a specific plot of land. If building your dream home appeals to you, you may want to consider a home construction loan that’s designed to help you with home construction financing. We can help arrange financing from start to finish in the building process.

Mortgage Loans. There are several types of mortgage loans to choose from. Here are some examples: 

  • Fixed Rate Loans
    Planning on staying in one home for a long time? A fixed rate mortgage may be your best option.
  • Adjustable Rate Loans
    Need a home, but don’t see yourself staying there for the long term? Your best option may be an adjustable rate loan.
  • Veterans Affairs (VA) Loans
    This loan program is designed for military veterans, active duty personnel, reservists and their spouses.
  • United States Department of Agriculture (USDA) Loans
    These are loans to specifically assist families in rural communities with a moderate income purchase a home.

Each loan type is designed for different situations. Sometimes, only one loan type will fit your situation. If multiple options fit your situation, try out scenarios and ask our lenders to provide several quotes so you can see which type offers the best deal overall. With decades worth of expertise and in-depth knowledge of the local market, we’re more than equipped to help.

Line of Credit. A home equity line of credit, also known as a HELOC, is a line of credit secured by your home that gives you a revolving credit line to use for large expenses. A HELOC often has a lower interest rate than some other common types of loans, and the interest may be tax deductible. Please consult your tax advisor regarding interest deductibility as tax rules may have changed.

Home Equity Loan. With a home equity loan, you receive the money you are borrowing in a lump sum payment and you usually have a fixed interest rate. A home equity loan makes sense if you have a large, one-time expense like a home remodeling project. It's also a good choice if you prefer to have a predictable monthly payment that you can budget for, rather than one that will fluctuate.

We invite you to contact any of our Home Loan Lenders if you have any questions regarding your home loan needs, whether that be now or in the future. Want to apply for a loan? Click here to begin the process.


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