Affordable Housing Programs

Southern Bank offers a number of ways for home buyers with modest incomes and limited savings to turn the dream of home ownership into a reality. These programs are generally easier to qualify for than a conventional mortgage.

97% Program

97% Program

30 year term
Fixed Rate
Purchase
Rate/Term Refinance for qualified mortgages
$417,000 maximum loan amount
$25,000 minimum loan amount
Primary residences only
Single Family Residence, Townhome, Condo, or Off-Frame Modular
620 Minimum credit score
97% financing
Limited to First Time Homebuyer
Debt to Income ratio may not exceed 43%
No Income Limits
PMI required
Escrow Required

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