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Mortgages at The State Bank No matter what your mortgage need, working with The State Bank gives you a powerful home-buying partnership. Our mortgage experts are just that – the best partner to help you get into your home fast. No matter what your situation, our team will work with you to select a mortgage solution that fits your exact needs.

Our Solutions

Specialized Mortgage Solutions
The mortgage team at The State Bank offers solutions to meet just about any home-buyer needs - from construction and bridge loans, to more traditional mortgages. If you're not sure what solution is best for you, just reach out to any one of our mortgage experts and they will help you find the perfect solution for you.

Fixed Rate Mortgage
This type of loan is one of the most popular mortgage loans that home buyers choose. Your interest stays the same for the life of the loan and provides a consistent payment amount month-to-month.

  • Predictable monthly payments for the life of the loan
  • Single family loan amounts up to $484,350

Adjustable Rate Mortgage
Also referred to as a variable-rate mortgage, this loan has an interest rate that is periodically adjusted based on current credit markets. These mortgages are intended for those who want to initially lower their payments to assume the risk of interest rate changes.

  • Potential lower initial payments versus fixed rate loan options
  • Rate set for predetermined time, then resets with new rate
  • May be ideal if you’re living in home for short period

Jumbo Mortgage
These mortgage loans are for real estate that are above conventional conforming loan limits. Jumbo mortgages are ideal for those who are looking to purchase luxury homes and The State Bank works with you to ensure that the mortgage meets your individual needs.

  • Home loans for mortgages over $453,100
  • Fixed or adjustable rate

Investment Property Loans
The State Bank offers these loans for those who are interested in purchasing a second home and investment properties. Our team will work with you to help you choose the type of mortgage loan that fits your unique investment needs.

  • Fixed or adjustable rates available

Construction Loans
Also known as a residential construction loan, this mortgage loan funds the building of a new home or residence. The loan is closed for the total loan amount and funds are paid over the period in which the home or residence is complete.

  • Available for the construction of your primary residence
  • Fixed and adjustable rates available

Ready to apply? Choose any mortgage lender to begin your online application. 

Carl Moraw
David Bishop
David Scott
Jon Innes
Kyle Prinz

Want to learn more? Contact us, stop in to one of our local branches, or visit our online mortgage education module.



Credit Granting Criteria
Documents Needed for Pre-Approval & Mortgage Application

*Subject to credit approval. Property insurance required.

First Time Buyer

There are many details to be considered when buying your first home including location, home size, number of bathrooms, the list goes on. It is also one of the largest investments that we make, and perhaps the number one source of wealth-building for families. There are many additional benefits to owning a home, such as:

  • Building of equity
  • Tax benefits
  • Pride

At The State Bank, we understand that buying a home can be an overwhelming and confusing process. That’s why our mortgage team takes the time to walk you through the entire process, ensuring that you are making the best financial decision.

Let's get started! Apply by selecting any mortgage lenders name below:

Carl Moraw
David Bishop
David Scott
Jon Innes
Kyle Prinz

Want to learn more? Contact us, stop in to one of our local branches, or visit our online mortgage education module.


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