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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel. (641)423-1600

Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
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Change Preferred Branch

  • Charles City Branch
    300 North Main Street
    Charles City, IA 50616

  • Clarion Branch
    315 Central Avenue East
    Clarion, IA 50525

  • Kanawha Branch
    220 North Main Street
    Kanawha, IA 50447

  • Mason City State Street Branch
    33 East State Street
    Mason City, IA 50401

  • Mason City West Branch
    2601 4th Street SW
    Mason City, IA 50401

  • Mora Branch
    730 Forest Ave East
    Mora, MN 55051

  • New Hampton Branch
    124 West Main Street
    New Hampton, IA 50659

  • Osage Branch
    501 Main Street
    Osage, IA 50461

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Home Loans


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Want to contact a Home Loan Expert? Click here to find a Home Loan Advisor nearest you or call 1-800-423-1602.


Helping make homeownership a reality!

Whether you’re buying your first home or building your retirement home, partnering with the right financial partner is crucial. With decades worth of expertise and in-depth knowledge of the local market, we’re more than equipped to help.

From start to finish, we’ll be with you the entire way to ensure you feel comfortable and know just what you’re getting.

New to home buying?

Buying your first home can be both exciting and extremely daunting. We’ve put together a few resources to help you understand the process and what to expect.

Guide to Home Ownership with First Citizens (PDF) Tips & Information for First-Time Home Buyers Home Buyer Education Resources
Want to contact a Home Loan Expert? Click here to find a Home Loan Advisor nearest you.

What type of loan is right for you?

Our mortgage lending staff will walk you through your options and ensure you understand the loan that’s right for you.

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Home$tart Grant Money

Home$tart and Home$tart Plus are down payment and closing cost assistance programs offered by FHLB Des Moines to qualifying home buyers through First Citizens Bank.

  • Home$tart participants may receive up to $5,000 in grant funds
  • Home$tart Plus participants may receive up to $10,000 in grant funds

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Call or stop into any of our bank locations and ask to speak to a home loan expert for more details and to see if you qualify.

Options for First-Time Home Buyers

Both the Iowa Finance Authority (IFA) and Minnesota Housing Finance Agency (MFHA) offer loans designed to help assist first-time home buyers.

  • Affordable, fixed-rate mortgages
  • Down payment assistance
  • Military Homeownership Assistance Program

You can learn more about the specific eligibility requirements on the IFA website for single-family residences in Iowa or the MFHA website for single-family residences in Minnesota.

Fixed Rate Loans

Planning on staying in one home for a long time? A fixed rate mortgage may be your best option.

  • Consistency of the same interest rate for the life of your loan
  • Variety of term loan options
  • Protects you from interest rate increases
  • Requires as little as 3-5 percent down payment depending on your specific program
  • Ideal for you if you saved money for a larger down payment

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.

  • Your loan’s interest rate fluctuates based on market conditions
  • Appealing if you’re looking for lower initial monthly payments
  • Includes an interest rate cap to limit how high your interest rate can go
  • Offers flexibility if you expect future income growth or if you plan to move or refinance within a few years

Veterans Affairs (VA) Loans

This loan program is designed for military veterans, active-duty personnel, reservists and their spouses.

  • No down payment requirement in most cases
  • No monthly mortgage insurance premium
  • No penalty is issued if you pay your mortgage off early

United States Department of Agriculture (USDA) Loans

These are loans to specifically assist families in rural communities with a moderate income purchase a home.

  • 100% financing potentially available
  • Closings costs may be included in certain situations
  • Ideal if you cannot meet down payment requirements for other loan types

Other Related Real Estate Loans

  • Construction Loan- want to build your dream home? We can help arrange financing from start to finish in the building process. Click here to find a home loan advisor for more information.
  • Bridge Loan- Need to move forward with a new home purchase, but your current home hasn’t sold yet? That’s where a bridge loan comes in handy.

Getting Started

We’d recommend getting pre-qualified first. It will help you understand how large of a mortgage you can afford.

You can either apply for a loan at one of our offices or directly online.

Apply Online Now!

PLEASE NOTE: First Citizens Bank accepts loan applications from Iowa and Minnesota. If your property is outside of this area, please contact First Citizens Bank directly.

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