State Bank

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The current ownership gap in housing for Black and minority communities reflects negatively on our central Ohio community as a whole. State Bank believes in providing homeownership opportunities for these minority communities in order to build a healthier and wealthier Central Ohio and Bloom614 is poised to help make that happen.
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Loans Subject to Credit Approval

Lender Names
Zach Williams NMLS#926390.

Lender Phone Number
(614) 336-7779

Lender Email Address
zach.williams@yourstatebank.com

Lender’s Years of Experience
12 Years

What makes your Lender Services unique?

State Bank is a full service community bank in Dublin, OH. We specialize in providing an exceptional banking experience for clients from all backgrounds. We help First Time Homebuyers, buyers needing Down Payment Assistance and Grant programs. We can also help with new Construction, Land loans, and Doctor Loans.

What geographies, populations, or housing styles do you specialize in?
We specialize in First Time Homebuyers, Down Payment Assistance Grants, Affordable Housing Grants, Low down payment loans, and VA Loans for Veterans. We can help with multi family homes, new construction, land loans, and Conventional loans. Our lending geography stretches from Central Ohio to Northwest Ohio.

What credit scores do you serve?

We serve clients with credit scores of 620 – 740.

What downpayment savings do you work with?
We serve clients who have less 3% in savings, less than 20% in savings, and over 20% in savings

Do you offer loans that cater to borrowers with low-to-moderate income?
Yes

Apart from English, do you have any other language competencies?
No

Have you worked with clients who have Housing Choice vouchers?
No

Do you offer Special Purpose Credit Programs (SPCP)?
Yes

What Special Purpose Credit Program do you offer?

Our State Bank Community Home Loan provides up to 100% financing with No PMI. This is not a grant program and can be utilized by buyers who are buying a defined Low or Moderate Income tract. If not buying an LMI area, then the borrower must make 80% or less of Area Median Income.

Is there anything else you would like me to know about you?
State Bank has an additional $1500 CARE Grant for eligible homebuyers.