Better Than Free Checking
Mortgages Switch


Prime Time


Movin' Out.


Whether you are looking for a second home where you can walk in the sand, or a place where you can grow your real estate portfolio, Southern Bank has the financing tools to help you get there.


Rental and Investment Programs
We have designed a variety of mortgage programs specifically for rental and investment properties. These programs offer flexible repayment terms with a choice of fixed or variable rates. See one of our mortgage specialists for more details.

Jumbo Loan Programs
Non-conforming (Jumbo) loans are loans in amounts that exceed the limits set by Fannie Mae and Freddie Mac. They typically carry higher interest rates and are often associated with high-end or investment property. Ideal for home buyers who need financing to purchase a more expensive property, and investment-minded buyers who can afford a large purchase but want to leverage their assets more effectively.


Conventional Fixed Rate Mortgages
As the most popular mortgage program for home buyers, a fixed rate mortgage offers the stability and consistency of predictable monthly principal and interest payments for the life of the loan, from 10 to 40 years. It may be a good choice for people who expect to live in a home for an extended period of time, or who want to lock in current low interest rates. With a fixed rate mortgage, payments remain constant, allowing you to plan and budget without factoring potential interest rate fluctuations.

Getting Started
See your Southern Bank mortgage specialist for complete details.
Typical documentation required for a mortgage includes:

• Previous full month's pay stub with year-to-date information
• Previous month's bank statement
• Copy of last year's W-2 forms or tax returns
• Authorization to verify credit
• Application fee


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