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State Farm Bank® deposit products are FDIC insured

Home Loans Help Center

Buying a new home

日本特黄无码毛片在线看|中文字幕无码亚洲视频While it is possible to buy and/or sell a house by yourself, a real estate professional is often a great source of information. A real estate professional is valuable to the buyer and the seller in a real estate transaction, offering information and expertise in a complicated field. Home buyers often fear that using a real estate professional will require they pay a fee. Generally it is the seller, not the buyer, who pays the sales commission for the home. Another frequent myth is home buyers can find a better deal by purchasing "For Sale by Owner" properties because the seller is avoiding the real estate professional commission. However, in many cases, the selling price of these homes ends up being equal to or higher than those listed by real estate professionals.

For the Buyer
Real estate professionals can:
  • Help you determine an approximate price range
  • Refer you to a lender with financing options best suited to your needs
  • Provide access to many resources, including:
    • Community information, zoning, schools, etc.
    • Information on a broader housing supply through the Multiple Listing Service (MLS)
    • Investigation into available properties that aren't advertised via the MLS
  • Provide a simple market analysis to see how a home compares with the current market
  • Use their experience in negotiating price, repairs, inspections, additional furnishings and/or appliances
  • Follow up on all of the details involved with the closing process
For the Seller
When selling a property, the focus should be on:
  • Getting the best price
  • Selling the house in the shortest amount of time
  • Selling the house with the least amount of hassle
Real estate professionals can:
  • Provide up-to-date information on what is happening in the real estate market, including financing changes and competing properties.
  • Serve as your marketing coordinator, knowing how and where to advertise your property, including:
    • Suggesting repairs or cosmetic work to your home
    • Providing access to the Multiple Listing (MLS)
    • Marketing your property to other real estate professionals, as well as to other potential buyers
  • Pre-screen and accompany qualified prospects through your property
  • Guide you through the details of negotiation and close the sale of your property

Some questions that can help you decide are:
  • How do you plan to keep us informed on the progress of the sale?
  • Where do you feel your strengths lie?
  • How did you arrive at the suggested listing price?
  • What is your marketing plan for the sale of my home?
  • Can you give me three references of buyers/sellers you have worked with?
  • How long have you been in real estate?
  • Are you a full-time agent?
  • How many home sales did you participate in last year?
  • How many buyers/sellers are you presently working with?
  • How "available" do you make yourself?
  • How does someone contact you?
  • Are you familiar with the price and area in which we want to look?
  • What was the average selling price of the homes you sold last year?

You can find more helpful tips, calculators and resources here.

Home refinance

Refinancing a home may be a means to:
  • Reduce your monthly payment
  • Access the equity in your home for cash
  • Convert to a fixed rate from an adjustable rate mortgage

Reduce Your Monthly Payment

Refinancing to a lower rate mortgage means lower monthly payments for loans with the same term. Most refinances occur when interest rates fall, and customers take advantage of this by refinancing to a lower fixed rate mortgage. Fixed rate mortgages are viewed by most as a lower risk mortgage, maintaining one rate even if the market fluctuates upward and rates begin to rise. But interest rates aren't always on a downward trend. You can still reduce your monthly payment by refinancing to a lower rate adjustable mortgage for short-term savings. This may be an ideal option especially if you don't anticipate staying in the home past the adjustment term.

Access the Equity in Your Home for Cash

The equity you have in your home increases each time you make a home loan payment. By refinancing, you can free up some of this money for other purposes. You may need it to fund a child's college tuition, to make home improvements or to invest in a second home.

日本特黄无码毛片在线看|中文字幕无码亚洲视频The equity in your home may also be used for debt consolidation. Generally, the interest on home loans is tax-deductible while the interest on other types of loans is not tax-deductible. You may save money if you consolidate credit card payments, car loans, and other loans by refinancing your mortgage. In this situation, your debts have been restructured under your mortgage and the interest may be tax-deductible. (Consult your tax advisor regarding the potential deductibility of interest under this plan.)

The cash you are able to receive depends on the equity you have available and the refinance product you choose. Contact a mortgage consultant for more information on options available to you.

Convert to a Fixed Rate

An adjustable rate mortgage is a product that allows you to enjoy home ownership with low monthly payments, but the possibility of increasing rates and payments can be worrisome. To reduce the uncertainty of future rates and payments, you might want to consider switching to the security of a fixed rate loan. Fixed rate mortgages are viewed by most as a lower risk mortgage by maintaining one rate for the duration of the loan. Even if the market fluctuates upward and rates begin to rise, you will feel secure in knowing your rate will remain constant. Before you commit to any specific loan, contact your local participating bank agent or call toll-free 888-556-3498.

If you expect to live in your home for another three to five years, your monthly savings will generally offset the costs of your home mortgage refinance within that time.

日本特黄无码毛片在线看|中文字幕无码亚洲视频If you plan to stay in your property for a shorter period, or if it will take significantly longer to recognize your monthly savings, you may want to consider other options.

日本特黄无码毛片在线看|中文字幕无码亚洲视频You may also want to evaluate how many years will be added to your mortgage payments. You may not want to add another 10 or 15 years to your mortgage payments if you only have 10 years remaining.

日本特黄无码毛片在线看|中文字幕无码亚洲视频You may want to pay off your mortgage early. To do this, consider refinancing to the lower payment, but continue making a higher payment to pay off the mortgage early.

Finally, you may not want to extend the term of your loan. Review the new rate and payment based on the remaining years you have left on your current mortgage and determine if you have monthly savings.

Home mortgage refinancing costs are very much like the costs paid for your original mortgage. These costs may include, but are not limited to:
  • Appraisal fee
  • Property survey
  • Hazard insurance
  • Attorney/legal fees
  • Mortgage insurance, if applicable
  • Loan origination fees
  • Title search/insurance fees
  • Credit report fee
  • Flood determination fee

The sum of these fees could cost you up to 2-5% of the loan amount, depending on your property location. But there are options available to deal with these costs.

This information is intended to help you ask the right questions when considering a possible refinancing of your loan. For more information, contact a participating bank agent in your area or call State Farm Bank toll-free 888-556-3498.

You can find Home Loans Disclosures here

Home mortgage

All State Farm Bank mortgage applications will ask for information regarding:
  • Employment
  • Income
  • Assets
  • Debts
  • The prospective property you intend to purchase or refinance

Additional information may be needed depending on your situation. If you have questions, see our .

Discount points are a one-time charge or credit by the lender. Each point is equal to one percent of the principal loan amount and can be paid to buy down the loan's interest rate. Points are typically paid at loan closing. If you have questions, please call us at 877-SF4-BANK (877-734-2265日本特黄无码毛片在线看|中文字幕无码亚洲视频). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.

It's possible if you have an adjustable rate mortgage or an escrow account associated with your loan.

The interest rate on an adjustable rate mortgage may change as outlined in your mortgage agreement. Changes to the interest rate and your monthly payment are communicated to you prior to the effective date of any change.

Your monthly payment may also change if there is an escrow account for the payment of real estate taxes, property insurance premiums, mortgage insurance premiums, and any other mortgage loan items. Changes to monthly escrow payments are reflected in the Annual Escrow Account Disclosure Statement.

日本特黄无码毛片在线看|中文字幕无码亚洲视频Fixed rate mortgages and ARMs are mortgage loan options.

With a fixed rate mortgage the interest rate and monthly payments for principal and interest do not change over the term of the loan.

An ARM's interest rate may change periodically based on a specified index. ARM loans may allow you to have a lower payment for a certain period of time because the interest rate is usually lower than a fixed rate mortgage. However, they carry a degree of uncertainty since rates may go up in the future.

The right type of mortgage for you depends on many factors, including:
  • Your current financial state
  • How long you intend to keep the house
  • Your expected financial changes
  • Your comfort with risk and potential mortgage payment changes

To obtain information on when your ARM loan will adjust and what takes place, please call 866-227-4384.

A jumbo loan is a mortgage that exceeds the maximum loan amount established by the Federal National Mortgage Association (FNMA), also known as Fannie Mae, and the Federal Home Loan Mortgage Corporation (FHLMC), also known as Freddie Mac. Jumbo loans are also referred to as non-conforming loans.

Conforming loan meet loan limits as established by the Federal National Mortgage Association (FNMA), also known as Fannie Mae, and the Federal Home Loan Mortgage Corporation (FHLMC), also known as Freddie Mac.

Non-conforming loans, or jumbo mortgages, exceed these limits.

An amortization schedule is a table that shows you a breakdown of how much money you’re paying the bank in interest versus how much money you’re paying on your actual mortgage over the life of the loan. If you have additional questions or would like to request a copy of your amortization schedule, please call 866-227-4384.

PMI is insurance provided by non-government companies that protects mortgage lenders in the event of default by the borrower. Typically, PMI is required if your loan amount is more than 80% of the value of your property.

Your PMI may automatically terminate during the life of your loan. You also have the right to request early cancellation of PMI based on certain requirements and loan conditions. To find out about automatic termination or how to request early cancellation of PMI, please call 866-227-4384.

An appraisal is a report made by a licensed or certified appraiser who provides a professional estimate of the property value. When you apply for a mortgage loan with State Farm Bank, we initiate the process to get an appraisal ordered.

Title insurance protects the lender and the homeowner against loss resulting from disputes over ownership of the property.

Federal law requires that we perform a flood search on your property before the loan closing and that we monitor flood map changes for the life of the loan.

日本特黄无码毛片在线看|中文字幕无码亚洲视频If your building or structure is located in a Special Flood Hazard Area, Zone A or V, as determined by the Federal Emergency Management Agency (FEMA), we require a flood insurance policy, except when exempt per federal regulation. Non-residential detached structures may not require flood insurance. We may be required to maintain an escrow account for paying flood insurance premiums if flood insurance is required.

日本特黄无码毛片在线看|中文字幕无码亚洲视频For homeowners insurance, the minimum coverage amount required is the lesser of the loan balance (as long as that equals 80% of the insurable value of the improvements) or 100% of the insurable value as determined by your insurance carrier. The maximum deductible for homeowners insurance is 5% of the face amount of the policy.

日本特黄无码毛片在线看|中文字幕无码亚洲视频If you are required to have flood insurance, the minimum coverage amount required is the lesser of the outstanding principal balance of the loan, the insurable value as determined by your insurance carrier, or the maximum coverage available from the National Flood Insurance Program (NFIP) based on property type. The deductibles are governed by Federal law, but currently the maximum deductible is $10,000 for a single family dwelling and $25,000 for a condominium association policy. Please contact your agent to determine the coverage to meet your needs.

We provide an annual Tax and Interest Statement (Form 1098) on or before January 31. This statement accounts for the funds collected and disbursed in the previous calendar year. There may be a charge for customer-requested duplicate 1098 forms. If you would like to make an inquiry about your year-end statement please call 877-SF4-BANK (877-734-2265).

If you don't have an escrow account, you are responsible for paying your real estate taxes. We contact your taxing authority annually to confirm that real estate taxes are paid. If real estate taxes are delinquent, an escrow account will be established and your monthly payment will be adjusted to cover the delinquent and future real estate tax payments.

日本特黄无码毛片在线看|中文字幕无码亚洲视频Send all tax information and bills with a reference to your monthly billing statement:

Assurant
c/o: State Farm Bank
3001 Hackberry Road
Irving, TX 75063

If you have questions, please call us at 866-227-4384. Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Service.

Any remaining escrow funds will be refunded to you within 20 days from the date of payoff.

Please call 866-227-4384 if you have any questions about your escrow account.

If your home has been damaged and you've filed an insurance claim, you may receive a check from your insurance company and it may require signature from the Bank before you can cash the check. Please contact the Bank in addition to your insurance company to get assistance with the process. Please call the Loss Draft Hotline at 877-909-0427日本特黄无码毛片在线看|中文字幕无码亚洲视频 for further information. Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.

日本特黄无码毛片在线看|中文字幕无码亚洲视频 to access your mortgage account and enroll in this free service to start receiving electronic billing statements and other documents.

Home mortgage

Payment due dates vary. Please refer to your payment coupon or monthly billing statement. For additional questions, contact us at 866-227-4384. Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.

Quickly make a complete mortgage payment through the online Loan Servicing Center. to access your State Farm Bank account and click Make a Payment to get started.

日本特黄无码毛片在线看|中文字幕无码亚洲视频Don't have a user ID and password? to manage your accounts and make payments online.

Looking to set up automatic payments online? Select Auto Draft Payment from the Loan Servicing Center menu to get started. Footnote *

Return to Reference * If the required payment changes for any reason this authorization will be automatically amended to authorize of an amount equal to the new required payment plus any optional additional principal indicated above. The authorization to initiate a debit from your account will remain in full force and effect until my/our lender receives notice from you of its termination at least 15 days prior to the next scheduled draft date, or in such manner and time frame as to afford my/our lender and its correspondent bank a reasonable opportunity to act upon it.
Termination requests can be submitted online or in writing to: Drafting Department, PO Box 77421, Ewing, NJ 08628. Your account must be current in order for your payment draft to be processed.

Choose Personal Preferences to register for email notifications to notify you when your mortgage payment due date is approaching and more.

日本特黄无码毛片在线看|中文字幕无码亚洲视频Note that emails will come from confirmations@loanadministration.com so adjust your spam filter to allow this email address. Please do not email this address.

日本特黄无码毛片在线看|中文字幕无码亚洲视频

To set up automatic mortgage payments using a State Farm Bank account, or an account at another bank, complete and mail the form along with a voided check or savings deposit slip to this address:

State Farm Bank
ATTN: Drafting Department
P.O. Box 77421
Ewing, NJ 08628

日本特黄无码毛片在线看|中文字幕无码亚洲视频Or fax these items to 609-718-1735.

When faxing, please include a cover page and send to the attention of "Drafting Department”.

You may also sign up for Budget Drafting. Budget Drafting provides you an additional option for setting up automatic payments. When you sign up for Budget Drafting, half of your monthly mortgage payment will be automatically drafted from your deposit account every other Friday. As a result, the equivalent of one additional regular payment will be applied to your principal loan balance each year. Call 866-227-4384日本特黄无码毛片在线看|中文字幕无码亚洲视频 to learn more about how you can sign up for budget drafting.

East Coast

State Farm Bank
P.O. Box 11733
Newark, NJ 07101-4733
East Coast states include: AL, AR, CT, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NY, OH, OK, PA, RI, SC, TN, TX, VA, VT, WI, WV

West Coast

State Farm Bank
P.O. Box 54040
Los Angeles, CA 90054-0040

West Coast states include: AK, AZ, CA, CO, HI, ID, MT, NE, NM, NV, ND, OR, SD, UT, WA, WY

Overnight Payments

ATTN: Payment Processing
425 Phillips Blvd
Ewing, NJ 08618

Payoffs

State Farm Bank
ATTN: Payoff Department
425 Phillips Blvd.
Ewing, NJ 08618

Please call 877-772-9633日本特黄无码毛片在线看|中文字幕无码亚洲视频 to request a payoff quote. Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. Or mail request to:

State Farm Bank
ATTN: Payoff Department
425 Phillips Blvd.
Ewing, NJ 08618

To make a payment by phone, either speak with a State Farm Bank Representative at 866-227-4384 or utilize our automated telephone system at 866-430-9683日本特黄无码毛片在线看|中文字幕无码亚洲视频. Please note that payments made after 9PM Eastern Standard Time (EST) will post on the next business day.

日本特黄无码毛片在线看|中文字幕无码亚洲视频If you're experiencing financial difficulty, you can call the U.S. Department of Housing and Urban Development (HUD) at 800-569-4287 or visit their for a list of homeowner counselors and counseling organizations in your area.

You can apply your State Farm Loyalty Rewards points Footnote * toward your mortgage. Just log in to your account and click "Redeem State Farm Points" under the credit card. Or call 877-SF4-VISA (877-734-8472).

Learn about Loyalty Rewards

Return to Reference * You must have at least 2,500 points to make a redemption and you cannot apply points to your bill if it's less than 5 calendar days before the due date.

Unless stated in your mortgage documents, you can make extra principal-only payments Footnote * 日本特黄无码毛片在线看|中文字幕无码亚洲视频 of any amount with your regular monthly payment.

If paying by mail, fill out the Payment Distribution box on your mortgage billing statement coupon and indicate the dollar amount that should be applied to the principal balance.

East Coast

State Farm Bank
P.O. Box 11733
Newark, NJ 07101-4733

日本特黄无码毛片在线看|中文字幕无码亚洲视频East Coast states include: AL, AR, CT, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NY, OH, OK, PA, RI, SC, TN, TX, VA, VT, WI, WV

West Coast

State Farm Bank
P.O. Box 54040
Los Angeles, CA 90054-0040

West Coast states include: AK, AZ, CA, CO, HI, ID, MT, NE, NM, NV, ND, OR, SD, UT, WA, WY

Overnight Payments

ATTN: Payment Processing
425 Phillips Blvd
Ewing, NJ 08618

Return to Reference* Additional principal payments will reduce the amount of principal that you owe. There will be no changes to the due date or monthly payment.

The payoff amount may change if there are any additional fees, including late fees, in process that may accumulate during the quoted period or if payments have been reversed. The payoff amount may also be affected if the account is set up on ACH, or has any pending payments, as these items may be in process at the time of the quote.

To request a payoff statement:
  • Call us at 877-772-9633. Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service.
  • Write to us at:

    State Farm Bank
    ATTN: Payoff Department
    P.O. Box 77406
    Ewing, NJ 08618

Occasionally, circumstances arise that may impact a person's ability to make monthly mortgage payments. If you find yourself in one of these situations, please call 866-227-4384 to confidentially discuss your account and potential options for resolving the issue.

State Farm Bank ("Bank") is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting e-ecoeco.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.

State Farm Bank®
Member FDIC
Equal Housing Lender