Loan Products

If you are thinking of buying a home, we have good news. Whether you’re buying your first home, your dream home, or your retirement home, Southern Bank has financing options to meet your needs. All Southern Bank loan and credit services are Subject to credit approval. Here is a sampling of the choices you have as a home buyer or owner:

First Time Homebuyer Photo

In person. Online. We’re with you.


You are about to start an exciting chapter in the life of your family. Your First Home. We are here to help you every step of the way … from the down payment to the last payment … Southern Bank is on your side.

Let’s get started today.

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Veterans & Active Duty


We appreciate the dedication, hard work, and sacrifice of our military personnel. We proudly offer the service, convenience, and personal attention that you deserve, from the very beginning through the life of your loan.

Let’s get started today.

Reno Loan Photo

Something Old


Whether you call it remodeling or renovation, financing your project doesn’t have to be complicated. We keep it simple with one loan and one closing.

Let’s get started today.

Construction Loan Photo

Something New


From lot purchase through construction and move-in, when it comes to new construction, think of this as your “Swiss Army Knife” loan. It’s one loan that does it all!

Let’s get started today.

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For First Time Homebuyers


The Southern Bank Home Team Advantage includes a special program for first time home buyers. If you qualify, you can borrow up to 97% of the cost of your home.

Let’s get started today.

Heroes Loan Photo

For Educators, First Responders,
& Healthcare Professionals


At Southern Bank, we appreciate the dedication, hard work and sacrifice of our community partners – active or retired, first responders, healthcare professionals, and educators.

Let’s get started today.

Pro Loan Photo

For Professionals


If you’re a CPA, CFP, Attorney, Engineer (PE), Chiropractor, Architect, Collegiate Athletic Director or Head Coach*, this program is for you!

Let’s get started today.

Group Med Loan Photo

For Medical Professionals


Here’s the prescription for the perfect mortgage: A downpayment that could be as low as zero. Private mortgage insurance that is zero. Up to $1 million for your primary and/or secondary home.

Let’s get started today.

NC Housing Photo


Our Loan Officers will work with you to determine which type of loan best suits your needs and budget. Contact your local branch and ask to speak with a Loan Officer.

Let’s get started today.

USDA Backed Mortgages Photo

USDA Backed Mortgages

Guaranteed loans are available to qualifying applicants who would not be able to purchase a home with a conventional loan without the loan guarantee.

Let’s get started today.

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Equity Loan

Southern Bank EquityLine allows you to borrow using the equity you’ve built in your home and taking advantage of the current low rates.

Let’s get started today.