Southern Home Loans is a leader in the home loan industry. We provide our customers with simple methods of finding their best home loan solutions. Whether you're looking to buy a new home or get a reverse mortgage to help you make ends meet, we've made the application and qualifying process easier than it's ever been before. By streamlining the online application process, we've made it possible for you to apply for a home loan and be on your way in a matter of minutes.
Because we're experienced experts in the home loan industry, we've been able to develop all of the best tools to help our customers get the loans they need without any of the headaches or uncertainty that often comes with trying to close on a loan. This allows you to compare all the options available to you and chose the one that best fits your current situation.
Never before has it been so easy to weigh every available option. Learn more about our down payment assistance programs for first time home buyers. Simply choose the loan you're interested in on the menu and get started with the Southern loans application process.
Because we're experienced experts in the home loan industry, we've been able to develop all of the best tools to help our customers get the loans they need without any of the headaches or uncertainty that often comes with trying to close on a loan. This allows you to compare all the options available to you and chose the one that best fits your current situation.
Never before has it been so easy to weigh every available option. Learn more about our down payment assistance programs for first time home buyers. Simply choose the loan you're interested in on the menu and get started with the Southern loans application process.
Services
About Us
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Southern Home Loans was founded in 2006.
Our goal is to give each of our customers the lowest possible rates and the best home loan options around, while also providing them with a personalized experience.
We work for you to ensure that you're always happy with your home loan by providing you with a number of options that cater to your specific needs and abilities.
The home loan process can often be long and drawn-out with a lot of hassle and headaches involved.
However, because we are a direct lender, we've managed to set up a system that makes everything easier on the customer.
Our goal is to give each of our customers the lowest possible rates and the best home loan options around, while also providing them with a personalized experience.
We work for you to ensure that you're always happy with your home loan by providing you with a number of options that cater to your specific needs and abilities.
The home loan process can often be long and drawn-out with a lot of hassle and headaches involved.
However, because we are a direct lender, we've managed to set up a system that makes everything easier on the customer.
I Want More Info On Down Payment Assistance
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This program is designed to make purchasing a home more affordable for home buyers by providing home buyers with affordable interest rate mortgage loans and down payment and closing cost assistance.
Mortgage loans in this program are available on a first-come, first-serve basis.
The home buyer may choose between a Conventional, VA-guaranteed, FHA-insured, or USDA-RD 30-year fixed rate mortgage.
Borrowers must be first-time home buyers.
Veterans are exempt and do not need to be first time home buyers.
Mortgage loans in this program are available on a first-come, first-serve basis.
The home buyer may choose between a Conventional, VA-guaranteed, FHA-insured, or USDA-RD 30-year fixed rate mortgage.
Borrowers must be first-time home buyers.
Veterans are exempt and do not need to be first time home buyers.
Construction Loans
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Make your new home happen with a construction loan from Southern Home Loans.
We offer excellent interest rates so that you can affordably construct the home that you have wanted your whole life.
Construction-to-permanent loans are essentially two loans in one.
It is a loan for the construction of your home that then automatically gets converted into a mortgage the moment you move in.
This is the best loan for those who wish to pay off the construction loan through a mortgage.
Stand-alone construction loans are just that.
We offer excellent interest rates so that you can affordably construct the home that you have wanted your whole life.
Construction-to-permanent loans are essentially two loans in one.
It is a loan for the construction of your home that then automatically gets converted into a mortgage the moment you move in.
This is the best loan for those who wish to pay off the construction loan through a mortgage.
Stand-alone construction loans are just that.
30 Year Fixed Mortgage
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If you're looking for a consistent interest rate with the same payments every month, then a 30-year fixed mortgage from Southern Home Loans is for you.
This is the choice that you want to make if you're planning on living in your home for at least seven years.
If you're planning on moving in less than seven years, then it will probably be cheaper for you to use a stable-rate loan.
Because we know that you have a lot on your plate when you're buying a home, we want to make the process as easy for you as we possibly can.
This is the choice that you want to make if you're planning on living in your home for at least seven years.
If you're planning on moving in less than seven years, then it will probably be cheaper for you to use a stable-rate loan.
Because we know that you have a lot on your plate when you're buying a home, we want to make the process as easy for you as we possibly can.
15 Year Fixed Mortgage
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If you want constant rates without any sort of hassle in setting up a 15 year fixed mortgage, you've come to the right place.
The 15 year loan offers lower interest rates than the 30 year, but it does require a higher monthly payment.
The 30-year mortgage does allow you to make smaller payments, but you'll pay more interest for a longer period of time.
If you can afford the monthly payments, there's no reason not to go with the 15-year mortgage.
Many people choose to go with the 30 year mortgage then double their payments so they can pay off the loan in 15 years.
The 15 year loan offers lower interest rates than the 30 year, but it does require a higher monthly payment.
The 30-year mortgage does allow you to make smaller payments, but you'll pay more interest for a longer period of time.
If you can afford the monthly payments, there's no reason not to go with the 15-year mortgage.
Many people choose to go with the 30 year mortgage then double their payments so they can pay off the loan in 15 years.
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