Home Loans Overview

State Bank's fees are among the lowest in the marketplace. There won't be surprises when it's time to close. We save you time. We save you money. We save you aggravation. What more could you ask for? State Bank of Southern Utah offers mortgage loans to meet the needs of customers in our service area, which includes southwestern Utah, southeastern Nevada, and northern Arizona.

IconFHA 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.

IconVA 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. 

IconRural(RDA) Loans

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. 

IconConventional 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.