At State Bank, we provide a range of mortgage loan products designed to meet the unique needs and financial situations of home ownership in Southwest Wyoming.
Whether you are a first-time homebuyer, a veteran, or looking to take advantage of specialized programs, we offer conventional, FHA, VA, and WCDA loans to support your homeownership goals. We encourage you to explore our loan options to find the solution that best fits your financial needs and helps you achieve your dream of owning a home.
Mortgage
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Conventional home loans are mortgage options not insured or guaranteed by the federal government. They typically require higher credit scores and larger down payments compared to government-backed loans but often offer competitive interest rates and flexible terms. These loans are ideal for borrowers with strong financial profiles seeking straightforward financing for primary residences, second homes, or investment properties. At State Bank, we provide tailored conventional home loan solutions to help you achieve your homeownership goals with confidence.
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FHA home loans are government-backed mortgages designed to help first-time homebuyers and those with less-than-perfect credit qualify for financing. These loans require lower down payments and have more flexible credit requirements compared to conventional loans, making homeownership more accessible. FHA loans are insured by the Federal Housing Administration, which reduces the risk for lenders and allows borrowers to secure competitive interest rates. Ideal for buyers in Southwest Wyoming seeking affordable, community-focused lending options.
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VA home loans offer eligible veterans, active-duty service members, and certain members of the National Guard and Reserves the opportunity to purchase a home with competitive interest rates and no down payment. These loans are backed by the Department of Veterans Affairs, providing benefits such as no private mortgage insurance requirement and more flexible credit qualifications. VA home loans can be used for purchasing, refinancing, or improving a primary residence, making homeownership more accessible for those who have served the country.
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WCDA home loans offer affordable mortgage options for first-time homebuyers and low-to-moderate income families. With competitive rates and down payment assistance programs, WCDA helps make homeownership more accessible in Southwest Wyoming. Let State Bank guide you through the application process to secure the benefits of a WCDA home loan tailored to your needs.
Meet Judy Osborne
Having resided in southwest Wyoming since 1994, Judy has over 25 years of experience in residential real estate finance. She loves helping new and repeat borrowers with all their financing needs and has received numerous awards for top sales and outstanding performance over the years. She is excited to offer residential mortgages at State Bank starting in 2025!
Judy moved from central Illinois to Evanston, WY in 1994, and then to Rock Springs in 2014. She’s had a successful career in the sales, finance and real estate profession and was recognized as a top performer by Wells Fargo Home Mortgage for many years. “I’ve worked for the big banks and am now excited to share my expertise on a more personal level with the local community at State Bank!”
Judy is dedicated to helping customers throughout the entire process. The term “banker hours” never applies. If you have a question on nights or weekends, please don’t hesitate to reach out. While she agrees the loan process isn’t the fun part of purchasing a home, she strives to make it a smooth process for her customers. Trust in her experience to help make your dream of home ownership come true!
In her spare time, Judy enjoys boating at Flaming Gorge, fly-fishing and pickleball. She is also a member of the Kiwanis Club of Rock Springs and serves as the Treasurer for the Sweetwater Station HOA.