Préstamo para la construcción
Build your dream home from the ground up.
New construction loans for building homes. Personalized support, competitive rates, extended rate locks, and one-time close options available.
¡AHORA!
Southern Bancorp cree que ser propietario de una vivienda es una parte importante de la creación de riqueza generacional, y el acceso a una hipoteca asequible es una oportunidad que debería estar al alcance de todos, sin importar su historia financiera. Ya sea que usted sea nuevo en el proceso de compra de una vivienda o un veterano experimentado, Southern Bancorp tiene las herramientas para ayudarle a realizar su sueño de ser propietario de una vivienda.
ENCUENTRE UN PRESTAMISTA CERCA DE USTED
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NUESTRO LIDERAZGO
At Southern Bancorp, we're dedicated to revolutionizing accessibility and guiding every individual toward their path to homeownership. Whether someone needs help with an affordable mortgage, down payment assistance, or homebuyer counseling, it's not just about opening doors; it's about ensuring everyone has the key to unlock the possibilities of a brighter future.
— Jeremy Ray Davis, President of Mortgage
RUN THE NUMBERS
Use these calculators to help crunch the numbers and make estimates for mortgage payments, affordability, and more!
Monthly Payment
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Principal & Interest
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Property Tax
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Insurance
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Al utilizar la calculadora, tenga en cuenta que los importes indicados no están garantizados y que sus pagos reales pueden variar. Las estimaciones proporcionadas tienen únicamente fines ilustrativos y educativos.
Available Home Equity
Based on your home value and mortgage balance, here's how much equity you may be able to access at different loan-to-value ratios.
80% LTV
Most common
85% LTV
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90% LTV
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95% LTV
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These estimates are for illustrative purposes only. Actual available equity depends on your lender's requirements, credit profile, and property appraisal.
Max Cash-Out Available
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Adjusted Cash-Out
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New Loan Balance
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New Monthly Payment
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These estimates are for illustrative purposes only. Actual cash-out amounts, rates, and payments depend on your lender's requirements, credit profile, and property appraisal.
You Can Afford Up To
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Loan Amount
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Depósito
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Est. Monthly Payment
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Assumes housing costs target 30% of gross income and total DTI cap of 36%. These estimates are for illustrative purposes only.
DOWN PAYMENT ASSISTANCE AVAILABLE
Need help with your down payment?
1
QUÉ ES
Los programas de ayuda al pago inicial proporcionan ayuda financiera a los compradores de vivienda, lo que hace más accesible la compra de una vivienda, sobre todo para los primeros compradores o las personas con fondos limitados.
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¿CUÁLES SON MIS OPCIONES?
There are grant and second-lien options for first-time homebuyers, civil and essential workers, minority families, and more! Just ask your Mortgage Community Development Lender.
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¿CUMPLO LOS REQUISITOS?
Cada DPA es diferente y tiene distintas cualificaciones. Su prestamista puede revisar las opciones con usted para ver lo que se adapte a sus necesidades.
Raise your financial wellbeing with InicioRise100.
Southern Bancorp se compromete a hacer que la propiedad de la vivienda sea una posibilidad para todos. Con una hipoteca asequible alimentada por HomeRise 100, usted puede comprar su casa con una contribución mínima de $1,000, haciendo que el proceso sea asequible y sostenible.
- Minimum 640 FICO score
- 105% Maximum CLTV
- Down Payment Assistance and Gift Funds Allowed
- No mortgage insurance
- Homebuyer Education is Required for First Time Homebuyers
- Income limits may apply
ENCUENTRE EL PRÉSTAMO QUE SE ADAPTE A SUS NECESIDADES
Préstamo convencional
Flexible financing. Competitive rates.
Conventional mortgage financing for primary residences, second homes, and investment properties. Competitive rates with flexible closing cost options.
Préstamo FHA
Low down payments. Favorable rates.
FHA-insured loans with low down payments, less restrictive credit requirements, and favorable interest rates.
InicioRise100
Purchase your home with just $1,000.
Our affordable mortgage program lets you purchase your home with a minimum $1,000 contribution. No mortgage insurance required.
Préstamo Jumbo
For high-value properties up to $3M.
Jumbo loans for high-value properties and larger loan amounts. Accommodates up to $3 million with no mortgage insurance required.
Refinancing
Lower payments. Shorter terms. Your equity, your way.
Refinance to leverage your home equity, reduce your monthly payment, or shorten your loan term. Multiple refinancing options to fit your financial goals.
Revive25
Up to $25K toward your next home.
Down payment assistance program providing up to $25,000 as a 15-year mortgage at 0% interest. For down payments, closing costs, and prepaids.
Préstamo USDA
Up to 100% financing in rural areas.
USDA-backed loans for individuals and families in qualifying rural areas. Up to 100% financing with no minimum down payment required.
Préstamo VA
$0 down. No mortgage insurance.
VA-insured loans for active duty personnel, veterans, and surviving spouses. $0 down payment options, no mortgage insurance, and up to 100% financing.
Préstamos Hipotecarios
Préstamo para la construcción
Build your dream home from the ground up.
Find a Lender
Préstamos Hipotecarios
Refinancing
Lower payments. Shorter terms. Your equity, your way.
Find a Lender
Access to an affordable mortgage and the opportunity of homeownership should be within reach of everyone, no matter the zip code, starting point, or income level. That's the mission that moves us at Southern Bancorp, and it's the service we provide to everyone in our communities.
APROVECHE AL MÁXIMO SU REFINANCIACIÓN
Encuentre soluciones hipotecarias asequibles que se adapten a sus necesidades financieras.
PONERSE EN CONTACTO
Fill out the contact form below and one of our mortgage team will reach out to explain your options and opportunities.