State Bank of DeKalb


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Personal Banking

Home Loans

Conventional Loans
  • Conforming loan limit is $417,000.
  • 97% financing available.
Government Loans

FHA Loans

  • Maximum loan amount is $271,050.
  • 3.5% Down Payment required – payment options available.

VA Loans

  • Maximum loan amount is $417,000.
  • Seller can pay buyers closing cost up to 4% of sales price.
  • Certificate of Eligibility Required DD214.

USDA Loans

  • United States Department Agriculture Rural Developments.
Items Needed for Mortgage Application
  • Completed application, including two years of residency and employment history.
  • Copy of driver’s license & social security card for each borrower.
  • Current statement of assets: stocks, bonds, mutual funds, IRA’s, 401K’s, etc.
  • Two months most recent bank statement for all checking, savings, and brokerage accounts.
  • A minimum of two years complete personal tax returns
  • Last two years W-2’s or 1099s
  • Most recent pay stubs for each borrower, and most recent documentation of other income sources (retirement, social security, note income, child support, etc.)
  • Copy of signed contract.

Apply Now for a Mortgage Loan