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Purchasing a home is one of the biggest life decisions to be made. Therefore, we want all of our customers to feel confident and prepared when it comes time to make their dream of a homeownership a reality. Feel free to utilize the following information and real estate terminology or speak to one of our friendly Mortgage Loan Advisors at any time. As a customer of State Bank Financial, you're never alone.

Fixed Rate Mortgage

If you want the certainty of knowing your interest rate will not change for the course of your loan, a fixed rate mortgage will give you that peace of mind. You may choose between a longer-term loan with lower payments or a shorter-term loan with higher payments. We can help you choose the option that is best for you.

First Time Home Buyer

We offer first time buyer programs that will help make the leap from renting to home ownership a little easier. Our programs can get you into your first home with lower down payment options and assistance with your down payment and closing costs. Talk to a Mortgage Loan Advisor today to see how you can qualify.

  • Grant programs are available. Please see one of our Mortgage Loan Advisors for more details.

Low Down Payment Programs

These programs are perfect for you if you are a home buyer who has limited funds to put towards your down payment or closing costs, if you have access to alternate sources of funds such as gifts or grants. Please talk to one of our Mortgage Loan Advisors today to see if you qualify.

Adjustable Rate Mortgage

Consider an adjustable rate mortgage if you are looking for lower interest rates and lower monthly payments.

An adjustable rate mortgage (ARM), has payments that adjust as the interest rates go up or down over the term of the mortgage. The adjustments are based on the movements of a pre-selected economic index…should indexes go up; your ARM has a rate cap in place to restrict the interest rate so it will never exceed a predetermined ceiling.

Residential Lot

Your dream home begins with that perfect piece of land. We offer residential lot loans with rates and terms you can live with.

  • Minimal down payment
  • Terms to fit your budget
  • Minimal closing costs

Construction Loans

When you are ready to build your dream home, come and see us. We offer the construction loan you will need to begin building your dream.

During the construction phase:

  • Your contractor/sub-contractor will be paid directly for work completed with three or four advances of construction funds.
  • Each payment will require an inspection and your approval.
  • You pay interest only on the amount withdrawn.
  • We can provide financing once your new home is completed.

Time & Money Saving Tip:

If you are ready to build and are currently purchasing a lot or land, save time and money by closing on the lot and construction at the same time.

1 to 4 Family Investment Loans

If you are looking for an investment property in which to build your future, we offer a fixed rate mortgage specifically designed for investment properties.

One to four family investment properties that are not owner occupied and are suitable for year-round rental qualify. This mortgage can be used for either the original purchase or for refinancing an existing investment mortgage. You choose the term and the interest rate is fixed.

Refinancing Your Current Mortgage

Did you know that a 0.5% - 1% interest rate decrease through refinancing can save you thousands of dollars?

Not only will you lower your interest rate, there are many other reasons to consider refinancing your current mortgage:

  • Decrease your monthly payments
  • Switch to a fixed rate mortgage and eliminate the payment changes of an ARM
  • Increase your equity by paying down principal faster
  • Use the equity in your home to consolidate debts, take a vacation, or make home improvements

Even more good news is that depending on the equity in your home, closing costs may be included in the new mortgage loan amount, so no cash may be required to refinance. See one of our Mortgage Loan Advisors for complete details.


Jacob Martin


[email protected]




BJ Hamilton

B.J. Hamilton


[email protected]