This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
This link will take you to a 3rd party website.
| VA 30-Year Fixed Rate | |
|---|---|
| Interest Rate | -- |
| APR | -- |
| Loan Amount | -- |
| Down Payment | -- |
| Term | 30 Years |
| Monthly Principal & Interest Payment (Excludes taxes and hazard insurance; total payment will be higher) |
-- |
| Estimated Closing Costs (includes the cost for required discount points) |
-- |
| Upfront Mortgage Insurance Premium | -- |
Rates, terms, and fees as of and subject to change without notice.
The following table illustrates the minimum and maximum payments over the life of this loan example.
| Projected Payments | |
|---|---|
| Payment Calculation | Years 1-30 |
| Principal & Interest | -- |
| Mortgage Insurance | -- |
| Estimated Total Monthly Payment (Excluded taxes and hazard insurance; total payment will be higher) |
-- |
| FHA 30-Year Fixed Rate | |
|---|---|
| Interest Rate | -- |
| APR | -- |
| Loan Amount | -- |
| Down Payment | -- |
| Term | 30 Years |
| Monthly Principal & Interest Payment /(Excludes taxes and hazard insurance; total payment will be higher) |
-- |
| Estimated Closing Costs /(includes the cost for required discount points) |
-- |
| Upfront Mortgage Insurance Premium | -- |
Rates, terms, and fees as of and subject to change without notice.
The following table illustrates the minimum and maximum payments over the life of this loan example.
| Projected Payments | |
|---|---|
| Payment Calculation | Years 1-30 |
| Principal & Interest | -- |
| Mortgage Insurance | -- |
| Estimated Total Monthly Payment (Excluded taxes and hazard insurance; total payment will be higher) |
-- |
| 15-Year Fixed Rate | |
|---|---|
| Interest Rate | -- |
| APR | -- |
| Loan Amount | -- |
| Down Payment | -- |
| Term | 30 Years |
| Monthly Principal & Interest Payment (Excludes taxes and hazard insurance; total payment will be higher) |
0 |
| Estimated Closing Costs (includes the cost for required discount points) |
-- |
| Upfront Mortgage Insurance Premium | -- |
Rates, terms, and fees as of and subject to change without notice.
The following table illustrates the minimum and maximum payments over the life of this loan example.
| Projected Payments | |
|---|---|
| Payment Calculation | Years 1-15 |
| Principal & Interest | -- |
| Mortgage Insurance | -- |
| Estimated Total Monthly Payment (Excluded taxes and hazard insurance; total payment will be higher) |
-- |
| 30-Year Fixed Rate | |
|---|---|
| Interest Rate | -- |
| APR | -- |
| Loan Amount | -- |
| Down Payment | -- |
| Term | 30 Years |
| Monthly Principal & Interest Payment (Excludes taxes and hazard insurance; total payment will be higher) |
-- |
| Estimated Closing Costs (includes the cost for required discount points) |
-- |
| Upfront Mortgage Insurance Premium | -- |
Rates, terms, and fees as of and subject to change without notice.
The following table illustrates the minimum and maximum payments over the life of this loan example.
| Projected Payments | |
|---|---|
| Payment Calculation | Years 1-30 |
| Principal & Interest | -- |
| Mortgage Insurance | -- |
| Estimated Total Monthly Payment (Excluded taxes and hazard insurance; total payment will be higher) |
-- |
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. Contacting State Bank of Southern Utah about payment assistance options does not negatively impact your loan.
Contact us for mortgage loan assistance at:
Direct Line: 435-586-4140 or
Toll free: 1-800-662-1788 extension 4140
Email: mortgageservices@sbsu.com
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 are some options that may be available to you.
Repay missed payments over time. The cost of a repayment plan is added to the regular monthly mortgage loan payment.
An agreement between a lender and a borrower to temporary reduction or suspension in mortgage loan payments.
Payments are deferred or moved to the end of a loan. Remaining deferred balances must be paid at the end of the loan term.
A change made to the terms of an existing loan by the lender. Usually helps extend the mortgage loan term or lower the interest rate.
An agreement where a lender allows a home to be sold for less than the outstanding principal balance to satisfy a borrower’s financial obligation.
A legal agreement where a homeowner voluntarily transfers ownership of their property to their lender to avoid foreclosure proceedings.
An application and approval process will be required for all programs and all programs may not be available to you.
Borrower Response Forms – English
Borrower Response Forms – Spanish
Email your application to bcooper@sbsu.com. If you wish to mail your application please use the below address.
State Bank of Southern Utah
c/o Mortgage Servicing Department
1322 South Interstate Drive
Cedar City, UT 84720
(Please note that these assistance programs are available only to primary mortgage loans serviced by State Bank of Southern Utah)
