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Home Purchase

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We understand that buying a home is a major decision. We want to make the process go as smoothly as possible. State Bank & Trust Co. leads the community in helping families finance their homes.  If you are in the market for a new home purchase, you can apply online or contact us today. We will help you find the right financing package to fit your needs.

Fixed-Rate Mortgages

Do you plan to stay in your new home for more than five years? To ensure your principal and interest payments will not increase over time, a Fixed Rate Mortgage may be an option for you.

Adjustable Rate Mortgages

If you expect to be in a home for less than five years, or you expect that mortgage rates will decline over time, you may wish to choose an Adjustable Rate Mortgage, with monthly payments that could be lower than fixed-rate mortgages for the first few years.

First Time Homebuyers Program

State Bank & Trust Co. offers a terrific program for first-time home buyers. Along with the loan options, first time homebuyers may qualify for grants that could be used for loan costs and deposits. Information on the First Time Homebuyers Program can be found here.

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