• Mortgages (Home Loans)
  • Mortgage Loan Assistance

Mortgages (Home Loans)


*The rates shown are based on average rates for customers with good credit history. Your individual rate may vary. The APR calculation and the Principal & Interest (P&I) amounts are both based on a loan amount of $200,000 for the purchase of a primary residence, with 80% Loan-to-Value, approximately 15 days prepaid interest and $4,000 prepaid finance charges for a 30-day lock. Rates shown can change throughout the day without notice. Please contact your nearest Mortgage office for confirmation of current rates and additional programs.

Talk with our in-house experts who can help tailor a mortgage to your situation. Even today you can still talk face-to-face with a State Bank mortgage officer (what a concept)! Funding decisions are made locally, and the loan servicing remains at SBSU from purchase to payoff.

  • Conventional or Government loans
  • In-house lending options
  • Reverse Mortgages, too
Contact information
Cedar City (South Main) 435-586-0694
St. George (River Road) 435-652-7070

Caution about Mortgage Offers: You may receive offers in the mail about paying your mortgage sooner with more frequent payments. Companies who make such claims want to enroll you in their program for a fee.

We do not partner with these companies in any way. They get their information from public records. However, if you are interested in paying off your mortgage earlier with more frequent payments, let us show you how to accomplish the same thing without any fees. Contact us at the numbers above for more information.

Download Mortgage Forms

  • Mortgage Application.pdf Enter some data after downloading the form and save it. Re-open the form to see if your version of Acrobat remembers your input. If not, print and fill out the form by hand or update your Adobe Reader.
  • Loan Mortgage_Checklist.pdf. Use this checklist to help you gather all the documents you need when applying for a loan.

State Bank of Southern Utah NMLS ID:  469373

  NAME NMLS NUMBER  
  Trudie Terry 478771  
  Joey Garrett 478772  
  Eric Allsop 528862  
  Janiece Sudweeks 528841  

Equal Housing Lender
Equal Housing Lender

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Mortgage Loan Assistance

If you’re struggling to pay your mortgage, there may be programs available that we can help you with.  Please contact us immediately—even if you are just beginning to have difficulties with your payments. 

Contact us for mortgage loan assistance at:

435-586-0694 extension 7159 or
Toll free:  1-800-662-1788 extension 7159

Our hours are 8:00 AM – 5:00 PM Monday – Friday. 
Any other time you may leave a message and we will return your call within the next business day.

There are many options for homeowners who are struggling with their mortgage payments.  Below is a list of some options that may be available to you.

  • Repayment Plan
  • Forbearance
  • Modification
  • Short Sale
  • Deed-for-Lease
  • Deed-in-Lieu of Foreclosure

An application and approval process will be required for all programs and all programs may not be available to you.

For more information, please visit KnowYourOptions.com

Modification Application

Modification Application (Spanish)

(Please note that these assistance programs are available only to primary mortgage loans serviced by State Bank of Southern Utah)

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