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State Farm Bank® Mortgage Loan EstimatorWe need a few details in order to estimate rates and a monthly payment for you.

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 For a 30 Year Fixed Mortgage
As you enter or change the details on the left, we will display our rates here.

Disclaimers & Assumptions
Disclosure Policy
Disclaimers

  • Rates and terms are subject to change without notice.
  • This estimation is not a commitment to the availability of a product, specific to the values chosen.
  • Rates for other rate/point combinations or other lock-in periods may be available.
  • Not all products may be available in all areas.
  • *State Farm Bank now offers more affordable lending options for loan amounts higher than the typical conforming limits set by Fannie Mae and Freddie Mac ($417,000 or $625,500 in AK and HI) in certain federally designated metropolitan areas. Properties in these high cost areas may qualify for lower interest rates than traditional jumbo loans. Please talk to a Mortgage Consultant by calling 1-877-SF4-BANK (1-877-734-2265) for loan amounts of $417,000 and above or $625,500 and above in AK and HI.
  • Cash Out Refinances are not available in the state of Texas.
  • If a waiver of escrow is requested, eligibility will need to be verified.
  • Loan to Value is calculated by using the lesser of the purchase price or the appraised value compared to the loan amount.
  • Other factors may impact the interest rate and the APR on your loan. Final rates will be determined after an application has been submitted and verification of all information has been completed, including but not limited to credit history, income, and appraisal valuation.
  • There is no requirement to purchase any insurance or other products from State Farm in connection with or as a condition to obtaining a loan from State Farm Bank® ('Bank'). You are free to obtain any collateral insurance required by State Farm Bank from any insurer of your choice acceptable to State Farm Bank.
  • State Farm Bank ('Bank') encourages any interested individual(s) to submit a written 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 statefarm.com® or by contacting the Bank at 1-877-SF4-BANK (1-877-734-2265). To apply for a Bank product, you may also see your participating State Farm Agent.
  • Ask your participating State Farm Agent or contact the Bank at 1-877-SF4-BANK (1-877-734-2265) about other loan programs and product information.
  • Assumptions

  • This rate estimate is not intended to be a legal disclosure or a Rate Lock Agreement. It does not constitute a commitment to lend and is not an indication of loan approval; credit is subject to approval. It is the best estimate based on the inputs provided. The products used in this estimate may have additional restrictions which would eliminate the availability of this estimated rate. (i.e. Number of Units, Maximum Loan to Value Limitations, Affordable Housing Property Restrictions, Affordable Housing Product Income Limits, Loan Amount Limits, etc.)
  • This estimation is intended for a 1 unit, owner-occupied property only. For rates on other property types or loan terms, please contact your participating State Farm Agent or by contacting the Bank at 1-877-SF4-BANK (1-877-734-2265).
  • This rate estimation is based on the borrowers' opinion of their credit score. Verification of the true median credit score may result in a higher or lower interest rate. At time of application, the interest rate will be calculated based on the lower of the applicants' credit scores.
  • Closing costs are not included in this estimation. You can use an estimation of 1% of the purchase price/estimated value. Closing costs include fees paid to third parties and prepaid expenses.
  • Rates are based on a 60 day lock.
  • Verification of income and assets is required.
  • A down payment of less than 20% requires Private Mortgage Insurance (PMI). This will increase the monthly payment and the Annual Percentage Rate (APR) as mortgage insurance payments are not included in the payment and APR shown on the Mortgage Interest Rate and Payment Estimator.

  • This rate estimate is not intended to be a legal disclosure or a Rate Lock Agreement. It does not constitute a commitment to lend and is not an indication of loan approval; credit is subject to approval. It is the best estimate based on the inputs provided. The products used in this estimate may have additional restrictions which would eliminate the availability of this estimated rate. (i.e. Number of Units, Maximum Loan to Value Limitations, Affordable Housing Property Restrictions, Affordable Housing Product Income Limits, Loan Amount Limits, etc.) This estimation is intended for a 1 unit, owner-occupied property only. For rates on other property types or loan terms, please contact your participating State Farm Agent or by contacting the Bank at 1-888-556-3498. This rate estimation is based on the borrowers' opinion of their credit score. Verification of the true median credit score may result in a higher or lower interest rate. At time of application, the interest rate will be calculated based on the lower of the applicants' credit scores. Closing costs are not included in this estimation. You can use an estimation of 1% of the purchase price/estimated value. Closing costs include fees paid to third parties and prepaid expenses. Rates are based on a 60 day lock. Verification of income and assets is required. A down payment of less than 20% requires Private Mortgage Insurance (PMI). This will increase the monthly payment and the Annual Percentage Rate (APR) as mortgage insurance payments are not included in the payment and APR shown on the Mortgage Interest Rate and Payment Estimator.
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