Couple hugging in front of new home

Mortgages

Home Starts Here

 
Buying a home is more than a transaction—it’s a major milestone, and we’re here to make it feel personal, not overwhelming. Whether you're a first-time buyer or refinancing your forever home, our experienced lending team takes the time to explain your options clearly and guide you every step of the way. Because when you bank where you belong, you get more than a mortgage, you get a partner who’s with you from start to finish.
 

How We Can Help You

Our mortgage team specializes in the finding a mortgage that works for you. 
  • Conventional
  • VA
  • FHA
  • USDA Rural Housing

 

Conventional Home Loans

A conventional loan is a loan that is not backed by the U.S. government. Instead, a conventional loan is backed by private lenders and typically adheres to guidelines set by Fannie Mae and Freddie Mac. They are a common way to finance your home and can include both fixed and adjustable rate options. Conventional mortgage options at State Bank of Bement include 15, 20, and 30 year mortgages. 
 

Veterans Affairs Home Loan

A mortgage option available to eligible U.S veterans, service members, and certain surviving spouses. VA loans are provided by private lenders like State Bank Bement while the VA guarantees a portion of the loan. 
 
  • No down payment required.
  • Competitively low interest rates.
  • Limited closing costs. 
  • No need for Private Mortgage Insurance (PMI). 
Do you qualify for a home loan through the VA? Click the link below to find out:
 
 

FHA Loans (Federal Housing Authority)

An FHA loan is a mortgage loan offered by an FHA approved lender and insured by the Federal Housing Administration. As the loan is secured by the backing of the U.S. government these loans are great options for first time home buyers and may be easier to qualify for than an alternative home financing option. 
 

USDA Rural Housing 

A USDA Rural Housing Loan  is a mortgage offered by the United States Department of Agriculture. Rural Housing Loans are designed to help people purchase, build, or improve their home with little to no down payment. These loans greatly reduce the hassle residents can encounter when trying to access safe, decent, and affordable rural housing.