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Home Loan Overview

State Bank home loans, programs, and services.
Cedar City Branch Building

Conventional Loans

With conventional loans there are a variety of loan terms and products available, and they typically have fewer fees than most loans. Conventional loans are very heavily credit score driven. Apply Now

USDA Rural Housing/RDA

A rural loan does not require a down payment, and you can finance the closing costs into your loan if the property is eligible for it. This loan is also lenient on little to no credit history. Apply Now

FHA Loans

The FHA home loan qualifying criteria are not as strict as other loans, and down payment requirements are traditionally lower as well. FHA loans are available for first time home buyers and seasoned borrowers as well. Apply Now

VA Loans

The advantages of a VA loan are no down payment required, reduced fees, no mortgage insurance, and more lenient qualifying criteria. VA loans can be used multiple times and for multiple properties. Apply Now

Home Equity Loan

Your home’s equity is a powerful financial tool that you can use to achieve personal and financial goals. A Home Equity Loan is one tool used to make your home’s equity work for you. Contact Us

Down Payment Assistance

You may be eligible to receive up to $15,000 towards a down payment on your new home. Contact Us

Home Ready/Home Possible Grant

Borrowers can receive a conventional loan with a down payment option as low as 3%. Contact Us