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Statewide Guarantees
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At Statewide Bancorp, you'll find the latest in mortgage technology backed by some of the industry's most powerful guarantees. Our main goal is total customer satisfaction. To ensure that your lending experience, from interest rate to personalized and timely customer service is the best anywhere.

1. Lowest Price Guarantee (1)
Our best and boldest offer yet! If you find a better offer (rate and fees) on the same program offered for up to 30 days after we closed your loan, we'll give you a check for $1,000.00. How's that for confidence?

2. No application or approval fees
At Statewide Bancorp, Inc. applying is easy! There is never an up-front fee to apply, and if you are ever dissatisfied with our service or our rates, you may cancel without any cancellation fees or obligation.

3. Quality Service Guarantee (2)
We'll put our money where our mouth is. If you are not completely satisfied with our level of service and you decide to cancel your approved loan with us, we will send you a $100 check.

4. No payments for 30-60 days
When you refinance with Statewide Bancorp, you will have a 30-60 day break in payments. Use the money for anything you want.

5. Application Answers (3)
Easy application to buy your home. Guaranteed response with a fast upfront approval. Get an upfront approval in 10 minutes or less with as little as 5% down and good credit through our special pre-approval programs by answering a few simple questions or we’ll take $100 off your closing costs. This guarantee is available during the following extended business hours: Monday through Friday 7:00 am to 7:00 pm PST and Saturday 9:00 am to 1:00 pm PST. Call 1-866-515-3278.

6. Fast Closing (4)
If you think Statewide’s application and upfront approval process is fast, see how fast we’ll close your loan! Your time is valuable and you’ve got boxes to unpack. That’s why Statewide’s entire loan process is designed to be fast and easy. That includes lightning fast loan closings once you find your dream home. In fact, we’ll guarantee to close your home purchase loan in 10 days or less or we’ll credit $250 towards your closing costs. If you don’t need to close quite that fast, just tell us what day you’d like. We’ll do it – guaranteed.

7. Rate lock protection (5)
 We will lock in your rate during the loan process to give you peace of mind at no cost. So you’ve protected your interest rate and they can’t go up. We’ll even give you a lower rate if they were to drop during the loan process. See our lock policy.

We have Home Loan Consultant's standing by to assist you with your mortgage application and to answer any other questions you may have regarding your home loan. Thank you for selecting Statewide Bancorp, and we look forward to serving you.

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(1) The following restrictions apply to the Lowest Price Guarantee: (a) if within the first 30 days after Statewide Bancorp, Inc. has closed your loan, you must provide a legitimate written guarantee, approval and disclosure form (good faith estimate plus truth and lending)  from a competing lender evidencing the same loan program offered, at a lower interest rate, lock in term (same date), discount points, monthly mortgage payments, margin, caps per adjustment, life time cap and lender closing costs, - all claim documentation must be in writing and must be faxed to JR Diaz, Vice President, at 909-494-7563. (b) This offer applies only on the Modified Adjustable Rate Mortgage (Option ARM) with a three year prepayment penalty only.  (c) All of the foregoing offers are subject to you obtaining final loan approval from Statewide Bancorp and/or investors in accordance with our underwriting criteria. Such approval will be based on your provision of requested documents during the closing process and a review of other factors necessary to ensure that you meet Statewide Bancorp and/or investors underwriting criteria. Please note that the loan-related closing costs guarantee excludes the cost of prepaid interest, escrow items (such as property taxes, hazard insurance, flood or mortgage insurance), or other third-party real estate transaction costs (such as property surveys, home inspections, or a home warranty).

(2) The following restrictions apply to the Quality Service Guarantee: this offer only applies after full and complete loan approval and after final loan documents have been received.

 (3) Statewide is not responsible for third-party system issues that prevent or delay an answer to your application (such as malfunctioning telephone systems, computer equipment or software, network connections, or failed, incomplete or delayed data transmissions). To qualify for this guarantee, you must submit accurate and complete pre-approval or application information and be available at the contact number you provide. Our Home Loan Consultants will contact you within 30 minutes to review your application and request any additional information necessary to make a decision. This guarantee is for purchase loans only. Maximum of $250 Service Level Guarantee credit per loan. Upfront approval is subject to satisfactory review of property, financial documents, program requirements and no change in financial condition.
 
 (4) For borrowers who need more than 10 days to complete their purchase transaction, we guarantee to close on your requested date (Pick-A-Day Close). 10-Day Close and Pick-A-Day Close are from receipt of completed application and supporting documents. Purchase loans for completed new homes require certificate of occupancy. FHA & VA loans and certain construction loan programs excluded. Not responsible for sellers' or third party delays beyond our control. This guarantee is for purchase loans only. Maximum $250 Service Level Guarantee credit per loan.

(5) The following restrictions apply to the Rate Lock Protection: We will lock in your rate during the loan process upon request for 30 days at no cost. If they were to drop during the loan approval process you have the option for one flout down. Once loan documents have been ordered you can no longer use this option.

All of the foregoing offers are subject to you obtaining final loan approval from Statewide Bancorp and/or investors in accordance with our underwriting criteria. Such approval will be based on your provision of requested documents during the closing process and a review of other factors necessary to ensure that you meet Statewide Bancorp and/or investors underwriting criteria.

 
 

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