Feel at Home with State CS and Owner’s Choice Mortgages
State CS has partnered with Owner’s Choice, a team of experienced mortgage professionals dedicated to helping members navigate the complex world of home loans. From pre-approval to closing, we are with you every step of the way, providing personalized service and expert guidance.
Whether you’re a first-time home buyer or a happy homeowner looking to expand, downsize or refinance – State CS can help make securing a mortgage quick and hassle-free. With customized loan options and local lenders, our team will work with you to help you get into the mortgage that works best for your particular situation.
Conventional Loans
Our conventional loan options include both fixed-rate and adjustable-rate mortgages.
Fixed-Rate
- Interest rate stays the same over the life of the mortgage
- Makes budgeting easier and more predictable
- Terms are available from 10 to 30 years
Adjustable Rate
- Initial rate is often lower than a traditional fixed-rate mortgage
- After the initial period, the interest rate fluctuates over the life of the mortgage, depending on prevailing rates
Government Loans
FHA
- Flexible down payment options
- Excellent option for first time homebuyers
VA
- For Veterans and their spouses
- Flexible underwriting
USDA
- Exclusive to low to moderate income homebuyers
- Flexible financing for properties located in a designated rural area