South State Bank
1101 1st Street, Winter Haven, FL 33880
https://www.southstatebank.com
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Total loans closed with Loan Factory
18,482
Total loans closed with Loan Factory (past 12 months)
14,960
Lender overview
Basic information
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Lock policies & Fees
Lock Policies
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No
Lender's niche & Overlays
Fixed Rate Mortgages:
- 15-Year: Lower interest rates, pay off loan faster, higher monthly payments.
- 30-Year: Lower monthly payments, more flexibility for investments, higher interest rates, slower equity growth.
- Advantages (30-Year): Predictable payments, tax deductions, potential for investment growth.
- Disadvantages (30-Year): Slow equity build-up, higher interest paid over time.
Adjustable-Rate Mortgages (ARMs): Better for short-term stays (under 7 years), as interest rates adjust over time.
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Lender turn time
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