State Bank & Trust Co

Home Purchase

Mortgage solutions designed around your homeownership goals. 

Whether you're buying your first home or your next one, our local lenders are here to help every step of the way. 

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Loan Options

Fixed-Rate Mortgage Adjustable-Rate Mortgage

A fixed-rate mortgage provides consistent monthly payments and long-term stability, making it easier to plan for the future with confidence.

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An adjustable-rate mortgage offers flexibility for homeowners whose plans may change over time or shorter-term horizon.

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What to Expect

Start with a conversation about your homebuying goals. Getting pre-qualified can help you understand your budget, strengthen your offer, and move forward with confidence when you find the right home.

To begin the application process, you'll typically need items such as identification, income information, pay stubs, bank statements, and employment details.

Your lender will help you explore available loan options, down payment requirements, and estimated closing costs to find a solution that fits your goals and budget.

Once your loan is approved and your offer is accepted, you'll complete the final paperwork, review closing details, and take the final steps toward homeownership.

What Working with SBT Looks Like

  • Local decisions backed by people who know our communities 
  • Guidance that helps you understand your options and next steps 
  • Support from a dedicated lender throughout the home financing process

Meet our Mortgage Lender

State Bank and Trust Co Mortgage Lender Tyler Davis

Tyler Davis

Asst. Vice President, MLO
NMLS# 2421685

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Ready to Get Started?

You don't need to have all the answers before reaching out. A conversation with our team can help you understand your options, answer your questions, and determine the next steps that fit your goals.

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NMLS #446083

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