If you are submitting an online application for the first time, please click Loan Application and then Create Account to start the process. Returning borrowers can log in with the username and password you created when you submitted your application.
Our unique style and building strong, personal relationships generates lifelong customers. Purchasing or refinancing a home is one of the biggest investments you’ll ever make. At South Story Bank & Trust, we’re here for you every step of the way.
Our committment to you is extraordinary service. We are empowered to identify a need, make a decision and take action. Our mortgage team is ready to sit down with you and review options to help you select the best home loan.
Do you have questions about a construction loan or the best mortgage product to fit your needs? Contact one of our mortgage bankers to discuss financing options.
There are a variety of home loan options and programs available to you when you choose to finance through South Story Bank & Trust.
Our mortgage team will review all the options available to you, so you can make an informed decision on which home loan will work best for you.
Fixed Rate Mortgage: Your loan features a fixed rate and a payment over the term of the loan.
Adjustable Rate Mortgage: An ARM is ideal if you plan to live in their new home for a shorter period and want to take advantage of lower interest rates for a designated period.
Federal Housing Administration (FHA) Loan: Overcome some of the barriers to buying a home with affordable financing options and lower down payment, and income requirements while still receiving competitive rates.
Veteran Administration (VA Loans): This government-insured home buying program provides financing assistance, lower down payments, and lower monthly mortgage insurance premiums to eligible armed forces veterans.
USDA (RD) Loan: This government-insured loan is used for rural communities with a population less than 20,000 people. This loan allows 100% financing if you are in a community where you meet the income guidelines per county, in which, you are purchasing.
In-House Portfolio Loan: We offer flexible mortgage options if you would like to keep your mortgage with South Story Bank & Trust.
Home Construction Loan: Have you considered building your dream home? Turn your vision into reality with loans that cover the purchase of land and construction of a new home.
Jumbo Loan: This loan is perfect for those whose loan amount exceeds the conventional conforming loan limit.
Home Equity Loans & Lines of Credit: Put your home's built-up equity to work for you. South Story Bank & Trust offers Home Equity Loans and Home Equity Lines of Credit (HELOCS) to allow you to use your home's equity to your advantage.
Home Equity Loans: Borrow up to 90% of the appraised equity of your home and pay it back with a fixed payment over a fixed term.
HELOCs: Borrow up to the 90% of your home's appraised value and draw on this revolving open-ended line of credit as you need it. HELOCs are ideal for times when you have low cash flow.