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| Items
Usually Requested for Pre-Approval of Loan |
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Employment and Addresses for last
two years.
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Last two years of Federal Tax returns
and W-2’s
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Copies of last two pay stubs
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Current Mortgage/Rent information
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Current Liabilities (to be listed
on application)
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Current Assets (to be listed on
application)
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Bank Statements, Verification of
Retirement/Investments on request
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| Automobile and Consumer Loans |
State Savings Bank offers a variety of competitive
rates and terms for automobile and consumer loans. Special discounted
rates are available if you chose to have your payment automatically
deducted from a bank account. These term loans are available for
autos, trucks, recreational vehicles, or boats.
Same day approval can be obtained with a completed loan application,
so don’t hesitate, and call one of
our personal bankers today! Click here
to contact us.
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Investing in your home is one of the biggest financial decisions
you will make. Our personal bankers will guide you through the steps
in both purchasing and refinancing your home for a hassle-free transaction.
We’ll help you determine the right financing for your individual
situation and offer competitive rates both on loans we service and
on the national market.
Take a look at just some
of our loan products below and call one
of our personal bankers for an appointment today!
| **Adjustable
Rate Mortgages |
| Call today to find out about
our competitive adjustable rate mortgages serviced right here
locally at State Savings Bank! Great rates for investment property,
rental properties and much more! Much lower closing costs than
for a fixed rate mortgage! Inquire
with one of our mortgage lenders to see if this loan product
is for you! |
| **Fixed
Rate Mortgages |
| We offer the most competitive
fixed rate mortgages available on the market today and work
for you to get you the best rate possible on your home mortgage!
Pre-Approvals, First Time Home Buyer’s programs and many
more products are available to get you the exact financing you
need, not what’s just best for the bank! Call
today to get started on your refinance or purchase of your
new home! |
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**Home Equity
Loans |
| Why borrow equity from your
home? In most cases, interest paid on a home equity loan is
tax deductible where interest paid on consumer loans is not.
Our low cost, competitive rate home equity products are perfect
for buying a new car, financing college tuition, or remodeling
your home. Same day approval is usually possible with a complete
application, so call today to
set up an appointment with one of our mortgage lenders! |
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| Home Equity Lines of Credit |
Our home equity lines of credit are a convenient way to access
the equity in your home, hassle-free! These lines of credit are
tied to a checking account, so accessing your equity is as easy
as writing a check! Only monthly interest payments are required,
so you have the ability to repay your principal at your own pace,
allowing you to repay according to your own budget. This revolving
line of credit is very popular and many of our customers enjoy the
flexibility of this loan and its low interest rate!
Call one of our personal bankers
to see if this might be the right option for you!
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When you’re ready to build your dream home, remodel your kitchen
or bath, finish your basement, or add a new garage, State Savings
Bank is the place to call for your construction lending. With low
cost, easy payment options, we’ll guide you through both your
construction and end financing for a hassle, stress-free experience.
Please call one of our personal bankers
today to find out how easy adding that new addition really can be!
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State Savings Bank has been helping farmers and their families
for over 100 years with financing that is designed to work for your
unique farming needs. We pride ourselves on understanding the business
of farming and can help you obtain the financing you need to make
your business work.
We offer competitively priced financing for acquiring additional
equipment and breeding stock. With our flexible terms and easy repayment
options, we can provide you with a loan designed to work with your
individual operating needs. Call us today
to see how we can help you with financing your farm real estate,
equipment and breeding stock loans, and operating lines of credit!
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| Commercial Operating and Equipment
Loans |
Is your business expanding and needing to purchase new equipment
or inventory? Are you looking to increase your working capital or
needing assistance with cash flow? State Savings Bank is committed
to the growth and future development of our community and offers
many types of loans to service everyone from the small business
to large corporation. We strive to promote relationship banking
where we get to know you as a customer and learn about your individual
business needs. We are local people, helping local businesses make
informed decisions about your business growth.
State Savings Bank offers a variety of loans including, but not
limited to: Equipment, Expansion, SBA, Working Capital, Agricultural,
Inventory and much more! Please stop by
or make an appointment with any of our lenders today to find
out more about our competitive rates and how we can tailor your
individual loan request to fit your individual business needs.
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| Commercial Real Estate Loans |
Are you tired of leasing space for your business when you could
be gaining equity for your company? Are you looking for competitively
priced financing with attractive terms for acquiring investment
property? Let State Savings Bank work with you to find the best
financing package for your real estate acquisition!
Our goal is to finding the right product to fit you. We strive
to promote relationship banking, getting to know you as a customer
and learning about your individual business needs. We are local
people, helping local businesses make informed decisions about your
business.
about the SBA’s 504 program that might
work for your business real estate purchase!
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