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Buying or building a home is one of the biggest financial commitments in your lifetime. Whether it’s your first home, a “step-up” home or your retirement home, bring your plans and dreams to The State Bank of Florence and talk with someone you trust. Look through our various Financial Calculators to find out what your payment would be, or how much house you can afford. Our loan officers are here to help you each step of the way with a:

  • Home Mortgage Loan – With competitive rates and flexible terms, we want to help you finance your home with a mortgage loan that fits into your lifestyle and your budget.

  • Long-term, fixed-rate mortgage loan – If you know you’re going to be in that home for a longer term, lock in to the fixed-rate secondary market for a low rate.

  • Re-finance of your existing mortgage – Is this the time to re-finance for a lower interest rate? One of our loan officers can help you decide if now is the right time.

  • Home improvement loan – Weatherize your home with new windows and insulation, remodel the bathroom or install a new tile floor in the kitchen. We’re here to help make your home, and your life, more comfortable.

  • Home equity loan – If you have built up equity in your home, perhaps it’s time to add on a garage or finish a recreation room in the basement. Use that equity to buy a new car or take a vacation. There could be tax advantages for you.

  • Home construction loan – When you’re ready to build that dream home, contact us for your interim financing, with terms up to one year. We’ll finance your permanent mortgage when you’re finished too. What are you waiting for?

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