Business Details
26 Years
experience
Your Trusted Mortgage Partner in Ocala, FL
Southern Home Loans was founded in 2000 with a mission to provide customers with the lowest possible rates and personalized home loan solutions. As a direct lender, we streamline the mortgage process to eliminate unnecessary hassles while maintaining transparency and customer-centric service. Our team of experts specializes in guiding clients through purchase, refinance, and reverse mortgage options, ensuring clear explanations of terms and rates to empower informed decisions.With decades of combined experience in the home loan industry, we prioritize client satisfaction through innovative tools and a commitment to simplifying what is often a complex process. Licensed nationwide (excluding New York), we maintain a small-business feel while serving Marion County and surrounding areas with tailored support for first-time buyers, veterans, and self-employed individuals.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgage
Construction Loans
Down Payment Assistance
Portfolio Products
Hometown Heroes Loans
Details
- Year established: 2000
Highlights and features
- We offer 24 years of expertise in mortgage lending since 2000.
- Our direct-lending model eliminates middlemen for faster approvals.
- Specialized programs for self-employed borrowers and veterans.
- Personalized guidance through complex loan options and requirements.
- Streamlined digital tools for pre-approval and application processes.
What people say
Competitive rates
Personalized guidance
Efficient approvals
Veteran-friendly programs
Transparent terms
Services
Conventional Loans
Conventional loans offer flexible terms for homebuyers with strong credit. These mortgages are ideal for those seeking fixed or adjustable rates without government-backed insurance. Our team helps clients navigate requirements like down payments and debt-to-income ratios to secure competitive rates tailored to their financial profile.
FHA Loans
FHA loans provide low down payment options for first-time buyers with credit scores as low as 580. Backed by the Federal Housing Administration, these mortgages require mortgage insurance but offer lenient qualification standards. We specialize in simplifying the FHA application process for accessible homeownership.
VA Loans
VA loans offer zero-down payment benefits to eligible veterans and active-duty personnel. These mortgages, guaranteed by the Department of Veterans Affairs, eliminate private mortgage insurance requirements. Our experts assist veterans in maximizing benefits while navigating service-specific eligibility criteria.
Reverse Mortgage
Reverse mortgages allow homeowners aged 62+ to convert home equity into tax-free funds. This option provides financial flexibility without monthly payments, with repayment deferred until the home is sold or vacated. We guide seniors through eligibility, types, and implications to ensure informed decisions.
Down Payment Assistance
Down payment assistance programs reduce upfront costs through grants or low-interest second mortgages. Available for first-time buyers and veterans, these programs include Florida Assist Bond and Hometown Heroes initiatives. We help clients qualify for up to 5% assistance while meeting income and location requirements.
People
Brandon Crysler
Branch Manager
Brandon Crysler, Branch Manager at Southern Home Loans, brings extensive mortgage expertise to guide clients through purchase, refinance, and specialized loan programs. With NMLS# 162096, he prioritizes personalized service and transparent communication to simplify the home financing process.
Questions
What loan options are available for first-time homebuyers?
First-time buyers qualify for FHA loans (3.5% down), USDA loans (100% financing in eligible areas), and Florida-specific programs like Florida First with down payment assistance.
How does the Hometown Heroes program work?
The Hometown Heroes program offers 5% down payment assistance (up to $30k) and lower mortgage rates for eligible frontline workers, including teachers, healthcare providers, and veterans.
Can self-employed borrowers qualify for mortgages?
Yes. Our portfolio includes bank statement loans requiring 3-12 months of statements, with options for 100% personal deposit verification and no tax return requirements.
What documents are needed for mortgage pre-approval?
Pre-approval requires ID, two months of bank statements, recent pay stubs, tax returns, and proof of assets. Self-employed applicants need additional business documentation.
How long does the mortgage process take?
The average process takes 30-60 days from application to closing, depending on loan type, documentation completeness, and appraisal timelines.
Do you offer jumbo loans?
Yes. We provide jumbo loans exceeding conforming limits with competitive rates for high-value properties, tailored to borrowers' financial profiles.
