with Citizens First Bank, Equal Housing Lender

When buying a house, Citizens First Bank is the local lender of choice for your home loan, refinance, construction loan, or home improvements. Call us today for personal service from people just like you who live and work in Clinton, Iowa.






Portrait of Greg Farwell, Real Estate Lender at Citizens First Bank

NMLS 507834

Portrait of Greg Farwell, Real Estate Lender at Citizens First Bank

VP Sr. Real Estate Lender
NMLS 507834

Office: 563.519.0639

A portrait of Kristine Wiersema with a green background

NMLS 1‍247355

A portrait of Kristine Wiersema with a green background

VP Real Estate Lender
NMLS 1247355

Office: 563.519.0660

A portrait of Nia Diercks with a green background
Nia Diercks

NMLS 2435694

A portrait of Nia Diercks with a green background
Nia Diercks

Real Estate Lender
NMLS 2435694

Office: 563.241.4916








Citizens First Bank NMLS ID 500158


If you’re buying a house or would like to refinance your home, Citizens first bank offers special mortgage loans, refinancing, construction loans in Clinton, Iowa; Camanche, Iowa; or Fulton, Illinois;
Connect with us to find out more 563.243.6000

For today’s rates, contact our Mortgage Lenders



A Citizens First Bank pre-approval letter, makes finding the home of your dreams easier and faster!



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What kind of home do you have in mind? Citizens First Bank can help finance your dreams! Get started today to see the possibilities.

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Time to tackle the home improvement projects we keep talking about!

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Ready to talk details about building your own home? Let us help you finance your dream house.

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Connect with a loan officer at Citizens First Bank if you have any questions on HELOC or any other type of loan.


Home Financing

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Refinancing Calculator

Refinancing at a lower rate has the potential to save you thousands of dollars in the long run. However, for refinancing to be worth it, the savings in interest must be greater than the fees (i.e. points, closing costs) involved with the refinancing process. The refinancing calculator will take these fees into consideration and tell you how much you could save (or lose) should you decide to refinance at a lower rate.


Existing Loan

Existing Loan Original Loan Amount
Existing Loan Original Mortgage Length
Existing Loan Date of Loan
Existing Loan Current Interest Rate

New Loan

Existing Loan Amount you wish to cash out upon refinance
Existing Loan New Interest Rate
Existing Loan Points
Existing Loan Fees and Closing Costs
Existing Loan New loan term

Other Information

Existing Loan How long will you keep this property

Fixed Rate Mortgage Calculator

Given the information on your fixed rate mortgage, the fixed rate mortgage calculator will determine how much your mortgage payments will be.


Loan Information

Fixed Rate Mortgage Home Price
Fixed Rate Mortgage Down Payment
Fixed Rate Mortgage Loan Term
Fixed Rate Mortgage Interest Rate
Fixed Rate Mortgage Payment Frequency

Adjustable Rate Mortgage Payments Calculator

Calculates the payments and interest on your adjustable rate mortgage.


Loan Information

Adjustable Rate Mortgage Home Price
Adjustable Rate Mortgage Loan Down Payment
Adjustable Rate Mortgage Loan Term
Adjustable Rate Mortgage Beginning Interest Rate
Adjustable Rate Mortgage Rate Cap (Life Rate Cap)
Adjustable Rate Mortgage Maximum First Interval Rate Increase
Adjustable Rate Mortgage Maximum Subsequent Interval Rate Increase
Adjustable Rate Mortgage Months Before First Rate Increase
Adjustable Rate Mortgage Months Between Subsequent Rate Increases

Rent or Buy Decision Calculator

Buying a home is a huge life decision. The rent or buy calculator compares the cost of renting or buying given a certain time period


Rent Information

Rent Information Monthly Rent
Rent Information Monthly Renter's Insurance
Rent Information How Much Will Rent Increase Each Year?

Purchase Information

Purchase Information Home Price
Purchase Information Down Payment
Purchase Information Interest Rate
Purchase Information Loan Term
Purchase Information Points (%)
Purchase Information Closing Cost for Buying ($)

Home Information

Purchase Information Annual Property Taxes
Purchase Information Average Monthly Maintenance ($)
Purchase Information Monthly Homeowner's Insurance ($)
Purchase Information How Much Will Your Home Appreciate each Year?
Purchase Information Other Monthly Costs (Association dues, etc...)

Personal Information

Purchase Information State and Federal Tax Rate (%)
Purchase Information Investment Rate of Return (or Bank Account Savings Rate %)
Purchase Information How Long Will You Stay at this Property?

Sale Information

Purchase Information Real Esatate Agent Commission
Purchase Information Closing Cost for Selling ($)
Calculator Information

The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.

Calculator Disclaimer

These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.

Mortgage Calculators


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Loans & Mortgages

FDIC Mortgages Protection

Q :        How do I know how much house I can afford?
A :        Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

Q :        What is the difference between a fixed-rate loan and an adjustable-rate loan?
A :        With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking with us.

Q :        How do I know which type of mortgage is best for me?
A :        There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Citizens First Bank can help you evaluate your choices and help you make the most appropriate decision.

Q :        What does my mortgage payment include?
A :        For most homeowners, the monthly mortgage payments include three separate parts:
Principal: Repayment on the amount borrowed
Interest: Payment to the lender for the amount borrowed
Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard (homeowners) insurance and city or county property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.
The payment for your mortgage loan will be due on the 1st day of each month.

Q :        How much cash will I need to purchase a home?
A :        The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:
Earnest Money: The deposit also known as earnest money that is supplied when you make an offer on the house
Down Payment: A percentage of the cost of the home that is due at settlement (closing), generally a minimum of 3%, 20% if you do not want to pay private mortgage insurance on a conventional loan
Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

Q :        What is an abstract of title?
A :        A condensed history, taken from public records or documents, of the ownership of a piece of land. An abstract of title, or title abstract, briefly summarizes the various activities affecting ownership of a parcel of land. When a person or business agrees to purchase real estate, that person or business arranges for an examination of the history of the property’s title. This examination is known as a title search. A title search is conducted to determine that the seller of the property in fact owns the property and has a free-and-clear title. A free-and-clear title has no clouds on it, which means that no person or business other than the seller has an interest in, or claim to, the property. If you own property in Iowa, you will need to know the location of your abstract.

Q :        What is Private Mortgage Insurance (PMI)?
A :        Private Mortgage Insurance is an insurance policy paid for monthly by the borrower which compensates lenders for losses due to the default of a conventional mortgage loan. Mortgage insurance is required for any long term fixed rate conventional mortgage with less than a 20% down payment when purchasing a home, or if the equity in a home loan refinance transaction is less than 20%. The monthly cost of mortgage insurance will in part be based on a combination of the borrower’s credit scores and the amount of down payment made. A greater down payment will reduce the cost of the monthly mortgage insurance on a conventional loan. A down payment of 20% (or equity in a home) will avoid the requirement for mortgage insurance. Mortgage insurance in most cases is dropped when the loan balance reaches 78% of the loan to value (LTV) of the original purchase price or appraised value, whichever is less. Ask your loan officer for more details specific to your transaction.

Q :        What is your lending area?
A :        Citizens First Bank lending territory covers the following Iowa and Illinois counties: Clinton County, Iowa; Jackson County, Iowa; Whiteside County, Illinois; and Carroll County, Illinois. Call to inquire about other surrounding counties in Iowa or Illinois.


Mortgage Inquiry

Buying a house is a big life decision. Refinancing a home is not always easy. Building your home should be your focus. Start a Mortgage Inquiry with Citizens First Bank to experience the personalized service you’ve been missing in the Clinton, Iowa and Fulton, Illinois region for home loans, refinancing, and construction loans.



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