Home Mortgage

Whether you are a new buyer or refinancing for a better rate, stop in and see Sterling State Bank's mortgage originators today!

Approval In Minutes!

Free Home Loan Pre-Approval
Our process assists you in determining the maximum amount of money you can qualify for before you start to look for your new home.

  • Interest rates are still competitive
  • Owning a home can provide a substantial income tax savings*
  • A home builds your equity; a rent check builds your landlord's equity.
  • The only better time to buy a home was yesterday. Why wait until tomorrow?

We make getting started easy:

Sterling State Bank can make your dreams come true. If you're thinking of purchasing a home, we have the mortgage solutions you're looking for... rest assured, you've come to the right place.


Conventional Loan Programs
Sterling State Bank offers several options for traditional fixed rate financing. With this type of loan, you lock in a current interest rate for the life of the loan. You'll always know the amount of your monthly payment.

We provide accurate closing cost estimates to eliminate surprises at closing. We'll find you the right product with the lowest payment possible.

Construction Loans
Are you thinking about building your dream home? Ask one of our experienced Mortgage Lenders about financing the construction of your new home and the purchase of a lot.

Adjustable Rate Home Loan Programs
Are you planning to pay off your home loan early? Are you moving in a few years? An adjustable rate home loan may be the most favorable loan for you. This type of loan gives you low initial interest rates and payments. Adjustable rates are available for government and conventional loans.

FHA & VA Loans
FHA mortgages are insured by the Federal Housing Administration and offer a variety of options for loan qualifying. VA home loans are guaranteed by the Veteran's Administration and provide 100% financing to purchase your home.

Our experienced Lenders are experts at arranging financing.

First-Time Homebuyers
Owning a home can be a significant first step in achieving financial independence. You can count on our mortgage loan specialists to walk you through this process, start to finish. We'll help you eliminate rent payments, build equity and feel the personal satisfaction of owning your own home. There's no better feeling!

Jumbo Programs
Sterling State Bank offers jumbo loans in which the interest rate remains fixed for the term of the loan. The loan amount for a jumbo mortgage is above that of a conforming mortgage, ranging from $417,000 to $1,000,000.
The terms available are 30 and 15 years. The required down payment varies according to the loan size and rates may be slightly higher than conventional.

Are you ready to refinance? The answer may depend on your reasons for doing so.

Refinancing
Reasons to Refinance . . .

  • Reduce Your Interest Rate and Lower Your Current Monthly Payments.
  • Reduce the Term of Your Current Mortgage and Pay Your Loan Off Sooner.
  • Use Your Existing Equity to Take "Cash Out" of the Property.

Tools and Calculators
Use our online Calculators to see if it makes sense for you to refinance.

How can I?
Products
Interested in one of our many products? Choose from the list below to learn more...

Locations
Sterling State Bank has 10 locations to serve you. Choose from the list below to find out more about each location.

NMLS ID: 419519

Mortgage Staff ID's

421589 - Abdias Chavez-Llempen

421587 - Derek Clarey

421591 - Jerad Faudi

707711 - Ron Sailer

800219 - Lonny Hickey

800220 - Barry Irish

421592 - Ann Sand