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MORTGAGE PROGRAMS & SERVICES

State Mortgage keeps you on the cutting edge of loan programs. As a banker and broker, we operate as a mortgage banker and have the ability to reach out to our broker connections as well. If a product or rate exists, we have it available to you and your homebuyers. We know the builder business and have forward commitments, extended locks, non-FICO driven government loans, and condo project approvals! And with in-house underwriting and funding, your homebuyers get a quick turnaround – even on government loans.

Get everything you need to know with InfoNOW! With our InfoNOW system, receive important news regarding your homebuyer’s loan or check the status of a mortgage in real time at anytime within minutes!

• Email notifications at each stage of the loan process
• Login to a secure website to review loan status
• Easy web-based software that is in "real time"
• Loan information available 24/7
• Your homebuyers receive the same access to email notifications and web loan status

Some of the programs we offer:

• Construction and Lot Loans
• Urban financing (lofts, mixed-use properties,
condos C2-zoned)
• Extended locks for 360 days
• Spec Mover
• Stated Income
• Private money loans
• Foreign national financing
• First-time homebuyer
• Conventional
• Jumbo
• Interest only
• No Payments for up to 6 months
• 100% Financing
• FHA
• VA
• Variety of ARM programs including pay options