Let’s build something together!

When it comes to new construction, think of this as your “Swiss Army Knife” loan. It’s one loan that does it all! From lot purchase through construction and move-in, there’s only one closing and the loan converts to a permanent when you take possession. Easy, Flexible, Fast, and Convenient. That’s how we roll.

During construction, it’s an interest-only loan, for up to 18 months. Borrow up to 90% of your primary residence and 80% of your second home or investment property.

Best of all, we are committed to be your bank for the life of your loan. You’ll make your payments right here. You’ll call with questions right here. Unlike most banks, we service our mortgage loans for the life of the loan. It’s part of Your Home Team Advantage.

• Interest-only payments during construction
• Up to 18 month construction period
• Adjustable (ARM) or fixed-rate financing available
• Primary residence – borrow up to 90% of the value
• Second residence or investment property – borrow up to 80% of the value

Your Southern Bank mortgage team will guide you through every step of the process, starting with a financial snapshot, fast pre-qualification, guidance on choosing your dream home, and easy-to-understand steps to make your dream home a reality.