Home Loans

Home Banking Lending Home Loans

Mortgages, refinancing solutions and construction loans


It’s where you start a family, relax after a long day of work and where memories are made. This is perhaps the most important purchase you will make in your lifetime. Our role at State Bank is to ensure you get the right mortgage in place to help you purchase your home without putting yourself in a hole.

An Experienced Mortgage Lending Team

Mortgages and home purchases can be complex, so it can pay (literally) to have knowledgeable mortgage professionals on your side. Our mortgage lenders will work with you to find the right home loan for your unique needs.

Lending Solutions for Purchases, Refinances and Construction

Our mortgage team can provide the best solution for your home loan needs:

  • Adjustable-rate mortgages
  • Fixed-rate mortgages
  • Refinancing your current mortgage
  • Construction loans to build the home of your dreams


Apply for your mortgage or mortgage refinance with State Bank today!


Home Loan Types Comparison

Loan TypeThis is the Right loan for you if...BenefitsTerms offered (yrs)Down Payment Requirement
Home EquityYou are wanting to improve your property, consolidate debt or take advantage of low rates!Use the equity in your home to save you money on interest to consolidate debt or take the vacation of your dreams!3 or 5-year rate lock, amortized over 30 yearsCan use up to 90% of equity in your house
HELOCYou are looking for a flexible loan product. It can be used for anything! The ability to use and pay down the line of credit as you need to.Piece of mind if an unexpected expense comes up.  Easy access to the equity in your home via the internet at a great rate!   10 yearsCan use up to 90% of equity in your house
ARM You do not intend to stay in your house for more than 5 yearsLower fees3 years or 5 years, amortized over 30 years20% down
Residential Fixed-Rate You want to lock in a great rate for 10-30 yearsPiece of mind by taking advantage of low rates and knowing they are not going to change 10, 15, 20, 25 or 30 years20% down
ConstructionYou want to build the home of your dreams!Great low interest rate and we partner with you to help you through the process9 monthsUp to 20% down


 Check Our Rates


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