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Loans
Find the right mortgage for your home. We offer conventional, FHA, VA, and USDA loans with deep expertise and personal service across all 50 states.
Find Your Perfect Fit
Conventional
Competitive rates and flexible terms for buyers with strong credit. Ideal for primary residences, second homes, or investment properties.
FHA
Lower down payments and flexible credit requirements. Perfect for first-time homebuyers looking for affordable financing.
VA
Zero down payment for eligible veterans and service members. Competitive rates with no private mortgage insurance.
USDA
100% financing for eligible rural and suburban properties. Designed for low- to moderate-income borrowers.
Not sure which program is right for you?
Meet Judy Osborne
With over 25 years of experience in residential real estate finance, Judy has called Southwest Wyoming home since 1994. A top performer recognized by Wells Fargo Home Mortgage for many years, she's now excited to share her expertise on a more personal level with the local community at State Bank. The term 'banker hours' never applies—if you have a question on nights or weekends, don't hesitate to reach out.
Ready to find your home?
Start your application today or visit any of our branches.
Application links direct to our trusted lending partner.