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In today’s competitive real estate market, having a reliable mortgage partner by your side is essential. At The State Bank, we’re here to guide you every step of the way—from getting preapproved to settling into your new home.
Don’t let your dream home slip away. Getting preapproved is more important than ever in today’s market. With a preapproval from The State Bank, you’ll have a competitive edge, ensuring your offers stand out and you’re ready to move forward when you find the perfect home.
Our experienced mortgage lenders are available 24/7 to assist you. Whether you’re a first-time homebuyer or looking to refinance or find your dream home, our local lenders are empowered to make decisions, providing you with personalized service and expert advice whenever you need it.
From the moment you begin your home search to the day you receive your keys, we’re committed to being more than just a lender—we’re your trusted partner. Experience the difference of working with a team that’s dedicated to your success, every step of the way.
Ready to get started? Contact us today to begin your mortgage journey with The State Bank.
The mortgage team at The State Bank offers specialized solutions to meet any home-buyer needs – from construction and bridge loans, to more traditional mortgages. If you’re not sure what solution is best for you, reach out to any one of our mortgage experts and they will help you find the perfect solution for you.
This type of loan is one of the most popular mortgage loans that home buyers choose. Your interest stays the same for the life of the loan and provides a consistent payment amount month-to-month.
Also referred to as a variable-rate mortgage, this loan has an interest rate that is periodically adjusted based on current credit markets. These mortgages are intended for those who want to initially lower their payments to assume the risk of interest rate changes.
These mortgage loans are for real estate that are above conventional conforming loan limits. Jumbo mortgages are ideal for those who are looking to purchase luxury homes and The State Bank works with you to ensure that the mortgage meets your individual needs.
The State Bank offers these loans for those who are interested in purchasing a second home and investment properties. Our team will work with you to help you choose the type of mortgage loan that fits your unique investment needs.
Also known as a residential construction loan, this mortgage loan funds the building of a new home or residence. The loan is closed for the total loan amount and funds are paid over the period in which the home or residence is complete.
*Based upon number of approved loans for the SBA fiscal years ending September 30, 2020, 2021, 2022 & 2023. Subject to credit approval.
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Attention Business Online Banking Customers
Holiday cut-off times for ACH and Wire Transfer processing:
Christmas Eve 12/24/24: All Wire Transfers mut be submitted by 10:00am for same day processing. All ACH files must be submitted by 11:00 am for settlement on 12/26/24.
New Year’s Eve 12/31/24: All ACH files must be submitted b 4:00pm for settlement on 1/2/25.
