{"id":25892,"date":"2023-08-25T15:37:59","date_gmt":"2023-08-25T20:37:59","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?page_id=25892"},"modified":"2026-03-19T13:11:21","modified_gmt":"2026-03-19T18:11:21","slug":"hipoteca","status":"publish","type":"page","link":"https:\/\/staging.banksouthern.com\/es\/mortgage\/","title":{"rendered":"Pr\u00e9stamos Hipotecarios"},"content":{"rendered":"\n\n<div class=\"et_pb_section_1 et_pb_section et_section_regular et_block_section section_has_divider et_pb_bottom_divider main_bg\">\n<div class=\"et_pb_row_1 et_pb_row et_block_row\">\n<div class=\"et_pb_column_1 et_pb_column et_pb_column_3_5 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_0 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module mortage_box\"><div class=\"et_pb_text_inner\"><h3>UNLOCKING THE DOOR<br \/>TO HOMEOWNERSHIP -<br \/><span class=\"highlight_text\">FOR EVERYONE<\/span><\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_divider_0 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n\n<div class=\"et_pb_text_1 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h1 class=\"p1\">Your Path to an Affordable Mortgage Starts Here.<\/h1>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_2 et_pb_column et_pb_column_2_5 et-last-child et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n<\/div>\n\n<div class=\"et_pb_row_2 et_pb_row et_pb_row_5col et_pb_gutters1 et_block_row et_block_row_5col unlock_row\">\n<div class=\"et_pb_column_3 et_pb_column et_pb_column_1_5 et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n\n<div class=\"et_pb_column_4 et_pb_column et_pb_column_1_5 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_2 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3>UNLOCK<\/h3>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_5 et_pb_column et_pb_column_1_5 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_0 et_pb_image et_pb_module et_block_module unlock_image\"><a href=\"https:\/\/staging.banksouthern.com\/mortgage\/#mortgage-contact\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Group-6.png\" width=\"200\" height=\"200\" srcset=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Group-6.png 200w, https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Group-6-150x150.png 150w\" sizes=\"(max-width: 200px) 100vw, 200px\" class=\"wp-image-27866\" title=\"Group 6\" \/><\/span><\/a><\/div>\n<\/div>\n\n<div class=\"et_pb_column_6 et_pb_column et_pb_column_1_5 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_3 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3>NOW!<\/h3>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_7 et_pb_column et_pb_column_1_5 et-last-child et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n<\/div>\n\n<div class=\"et_pb_row_3 et_pb_row et_pb_gutters1 et_block_row unlock_row\">\n<div class=\"et_pb_column_8 et_pb_column et_pb_column_1_3 et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n\n<div class=\"et_pb_column_9 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_1 et_pb_image et_pb_module et_block_module unlock_image\"><a href=\"https:\/\/staging.banksouthern.com\/mortgage\/#mortgage-contact\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Group-6.png\" width=\"200\" height=\"200\" srcset=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Group-6.png 200w, https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Group-6-150x150.png 150w\" sizes=\"(max-width: 200px) 100vw, 200px\" class=\"wp-image-27866\" title=\"Group 6\" \/><\/span><\/a><\/div>\n\n<div class=\"et_pb_text_4 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><h3>UNLOCK NOW!<\/h3>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_10 et_pb_column et_pb_column_1_3 et-last-child et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n<\/div>\n<div class=\"et_pb_bottom_inside_divider et-no-transition\"><\/div><\/div>\n\n<div class=\"et_pb_section_2 et_pb_section et_pb_fullwidth_section et_section_regular et_block_section about_sec\">\n<section class=\"et_pb_fullwidth_header_0 et_pb_fullwidth_header et_pb_bg_layout_light et_pb_text_align_center et_pb_module et_flex_module\"><div class=\"et_pb_fullwidth_header_container center\"><div class=\"header-content-container center\"><div class=\"header-content et_flex_module\"><div class=\"et_pb_header_content_wrapper\"><p>Southern Bancorp believes that homeownership is an important part of building generational wealth, and access to an affordable mortgage is an opportunity that should be within reach of everyone, no matter their financial story. Whether you are new to the home buying process or a seasoned veteran, Southern Bancorp has the tools to help you realize your homeownership dream.<\/p>\n<\/div><div class=\"et_pb_header_button_wrapper\"><a class=\"et_pb_button et_pb_more_button et_pb_button_one\" href=\"https:\/\/staging.banksouthern.com\/mortgage\/#products\">PURCHASE<\/a><a class=\"et_pb_button et_pb_more_button et_pb_button_two\" href=\"https:\/\/staging.banksouthern.com\/mortgage\/#refinance\">REFINANCE<\/a><\/div><\/div><\/div><\/div><div class=\"et_pb_fullwidth_header_overlay\"><\/div><div class=\"et_pb_fullwidth_header_scroll\"><\/div><\/section>\n<\/div>\n\n<div class=\"et_pb_section_3 et_pb_section et_section_regular et_block_section\" id=\"lender\">\n<div class=\"et_pb_row_4 et_pb_row et_block_row\">\n<div class=\"et_pb_column_11 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_5 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2 style=\"text-align: center;\">FIND A LENDER NEAR YOU<\/h2>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_5 et_pb_row et_block_row\" id=\"lender_map\">\n<div class=\"et_pb_column_12 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_code_0 et_pb_code et_pb_module\"><div class=\"et_pb_code_inner\">    <div class=\"lender-map-app-container\" style=\"height: 600px;\">\n        <div class=\"lender-map\">\n            <div class=\"lender-search-list\">\n                <div class=\"lender-search-container\">\n                                        <div class=\"lender-search-input-container\">\n                        <input type=\"text\" class=\"lender-search-input\" placeholder=\"Search locations...\" \/>\n                        <button type=\"button\" class=\"lender-clear-search-btn\" disabled>Clear<\/button>\n                    <\/div>\n                                                            <div class=\"lender-location-container\">\n                        <button type=\"button\" class=\"lender-use-location-btn\">Use My Location<\/button>\n                    <\/div>\n                                    <\/div>\n\n                <div class=\"lender-list\">\n                    <p class=\"loading-lenders\">Loading lenders...<\/p>\n                <\/div>\n                <div class=\"lender-no-results\" style=\"display: none;\">\n                    <p>No lenders found within 100 miles of this location.<br>But we can still help! <a href=\"\/mortgage\">Contact us<\/a> and we'll get you connected.<\/p>\n                <\/div>\n            <\/div>\n            <div class=\"lender-map-container\">\n                <p class=\"loading-map\">Loading map...<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n    <\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_6 et_pb_row et_block_row\">\n<div class=\"et_pb_column_13 et_pb_column et_pb_column_2_5 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_2 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/01\/Jeremy-25-covershot-scaled.jpg\" title=\"Jeremy-25- covershot\" alt=\"A photo of Jeremy Davis\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"et_pb_column_14 et_pb_column et_pb_column_3_5 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_6 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>OUR LEADERSHIP<\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_divider_1 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module leadership_divide\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n\n<div class=\"et_pb_text_7 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>\"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.\"<\/p>\n<p>- Jeremy Ray Davis, President of Mortgage<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_4 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_7 et_pb_row et_block_row\">\n<div class=\"et_pb_column_15 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_8 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><h2>RUN THE NUMBERS<\/h2>\n<\/div><\/div>\n\n<div class=\"et_pb_text_9 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>Use these calculators to help crunch the numbers and make estimates for mortgage payments, affordability, and more!<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_code_1 et_pb_code et_pb_text_align_left et_pb_module calculator_frame\"><div class=\"et_pb_code_inner\">    <div class=\"bs-all-calculators\" data-default=\"mortgage\" id=\"bs-calculators-6a20c4136e027\">\n        <div class=\"bs-calculator-switcher\">\n            <label class=\"mc-label\">Calculator Type<\/label>\n            <div class=\"mc-type-switcher\" role=\"tablist\">\n                <button type=\"button\" class=\"mc-type-switcher-btn\" data-calculator-tab=\"mortgage\">Mortgage<\/button>\n                <button type=\"button\" class=\"mc-type-switcher-btn\" data-calculator-tab=\"home-equity\">Home Equity<\/button>\n                <button type=\"button\" class=\"mc-type-switcher-btn\" data-calculator-tab=\"cash-out-refinance\">Cash-Out Refi<\/button>\n                <button type=\"button\" class=\"mc-type-switcher-btn\" data-calculator-tab=\"affordability\">Affordability<\/button>\n            <\/div>\n            <select class=\"mc-type-select\" aria-label=\"Calculator type\">\n                <option value=\"mortgage\">Mortgage<\/option>\n                <option value=\"home-equity\">Home Equity<\/option>\n                <option value=\"cash-out-refinance\">Cash-Out Refinance<\/option>\n                <option value=\"affordability\">Affordability<\/option>\n            <\/select>\n        <\/div>\n        <div class=\"bs-calculators-panels\">\n            <div\n                class=\"bs-calculator-panel\"\n                role=\"tabpanel\"\n                data-calculator-panel=\"mortgage\"\n                id=\"bs-calculators-6a20c4136e027-panel-mortgage\"\n            >\n                    <div class=\"mortgage-calculator bs-calculator\">\n        <div class=\"mc-wrapper\">\n            <div class=\"mc-form-panel\">\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e02a-loanAmount\" class=\"mc-label\">Home Price<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e02a-loanAmount\" data-field=\"loanAmount\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,]*\" required>\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"loanAmountSlider\" class=\"mc-slider\" min=\"25000\" max=\"350000\" step=\"1000\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$25k<\/span>\n                                <span>$350k<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e02a-downPaymentAmount\" class=\"mc-label\">Down Payment<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <div class=\"mc-input-group\">\n                            <input type=\"text\" id=\"bsc-6a20c4136e02a-downPaymentAmount\" data-field=\"downPaymentAmount\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,]*\" placeholder=\"Amount ($)\">\n                            <input type=\"text\" id=\"bsc-6a20c4136e02a-downPaymentPercent\" data-field=\"downPaymentPercent\" class=\"mc-input mc-input--percent\" inputmode=\"decimal\" placeholder=\"%\">\n                        <\/div>\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"downPaymentSlider\" class=\"mc-slider\" min=\"0\" max=\"100\" step=\"1\">\n                            <div class=\"mc-slider-labels\">\n                                <span>0%<\/span>\n                                <span>100%<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e02a-interestRate\" class=\"mc-label\">Interest Rate<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e02a-interestRate\" data-field=\"interestRate\" class=\"mc-input\" inputmode=\"decimal\" required>\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"interestRateSlider\" class=\"mc-slider\" min=\"0\" max=\"15\" step=\"0.1\">\n                            <div class=\"mc-slider-labels\">\n                                <span>0%<\/span>\n                                <span>15%<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label class=\"mc-label\">Loan Term<\/label>\n                    <div class=\"mc-term-buttons\">\n                        <button type=\"button\" data-term=\"30\" class=\"loan-term-button active\">30 Years<\/button>\n                        <button type=\"button\" data-term=\"15\" class=\"loan-term-button\">15 Years<\/button>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"mc-results-panel\">\n                <div class=\"mc-results-content\">\n                    <div class=\"mc-results-header\">\n                        <span class=\"mc-results-label\">Monthly Payment<\/span>\n                        <number-flow class=\"mc-results-amount\">$0<\/number-flow>\n                    <\/div>\n                    <div class=\"mc-chart-container\">\n                        <canvas data-field=\"paymentChart\"><\/canvas>\n                    <\/div>\n                    <div class=\"mc-legend\">\n                        <div class=\"mc-legend-row\">\n                            <span class=\"mc-legend-swatch\" style=\"background: #133156\"><\/span>\n                            <span class=\"mc-legend-label\">Principal & Interest<\/span>\n                            <number-flow class=\"mc-legend-value\" data-legend=\"pi\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"mc-legend-row\">\n                            <span class=\"mc-legend-swatch\" style=\"background: #B0C4D8\"><\/span>\n                            <span class=\"mc-legend-label\">Property Tax<\/span>\n                            <number-flow class=\"mc-legend-value\" data-legend=\"tax\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"mc-legend-row\">\n                            <span class=\"mc-legend-swatch\" style=\"background: #D6E4F0\"><\/span>\n                            <span class=\"mc-legend-label\">Insurance<\/span>\n                            <number-flow class=\"mc-legend-value\" data-legend=\"insurance\">$0<\/number-flow>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <p class=\"mc-disclaimer\">While using the calculator, keep in mind that the displayed dollar amounts are not guaranteed, and your actual payments may vary. The estimates provided are for illustrative and educational purposes only.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n                <\/div>\n            <div\n                class=\"bs-calculator-panel\"\n                role=\"tabpanel\"\n                data-calculator-panel=\"home-equity\"\n                id=\"bs-calculators-6a20c4136e027-panel-home-equity\"\n            >\n                    <div class=\"home-equity-calculator bs-calculator\">\n        <div class=\"mc-wrapper\">\n            <div class=\"mc-form-panel\">\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e062-hecAppraised\" class=\"mc-label\">Appraised Home Value<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e062-hecAppraised\" data-field=\"hecAppraised\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"hecAppraisedSlider\" class=\"mc-slider\" min=\"25000\" max=\"500000\" step=\"1000\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$25k<\/span>\n                                <span>$500k<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e062-hecBalance\" class=\"mc-label\">Mortgage Balance<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e062-hecBalance\" data-field=\"hecBalance\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"hecBalanceSlider\" class=\"mc-slider\" min=\"0\" max=\"500000\" step=\"1000\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$0<\/span>\n                                <span>$500k<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"mc-results-panel\">\n                <div class=\"mc-results-content\">\n                    <div class=\"mc-results-header\">\n                        <span class=\"mc-results-label\">Available Home Equity<\/span>\n                        <p class=\"hec-description\">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.<\/p>\n                    <\/div>\n\n                    <div class=\"hec-cards\">\n                        <div class=\"hec-card hec-card--primary\">\n                            <div class=\"hec-card-header\">\n                                <span class=\"hec-card-title\">80% LTV<\/span>\n                                <span class=\"hec-card-subtitle\">Most common<\/span>\n                            <\/div>\n                            <number-flow class=\"hec-card-value\" data-ltv=\"80\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"hec-card\">\n                            <span class=\"hec-card-title\">85% LTV<\/span>\n                            <number-flow class=\"hec-card-value\" data-ltv=\"85\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"hec-card\">\n                            <span class=\"hec-card-title\">90% LTV<\/span>\n                            <number-flow class=\"hec-card-value\" data-ltv=\"90\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"hec-card\">\n                            <span class=\"hec-card-title\">95% LTV<\/span>\n                            <number-flow class=\"hec-card-value\" data-ltv=\"95\">$0<\/number-flow>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <p class=\"mc-disclaimer\">These estimates are for illustrative purposes only. Actual available equity depends on your lender's requirements, credit profile, and property appraisal.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n                <\/div>\n            <div\n                class=\"bs-calculator-panel\"\n                role=\"tabpanel\"\n                data-calculator-panel=\"cash-out-refinance\"\n                id=\"bs-calculators-6a20c4136e027-panel-cash-out-refinance\"\n            >\n                    <div class=\"cash-out-refi-calculator bs-calculator\">\n        <div class=\"mc-wrapper\">\n            <div class=\"mc-form-panel\">\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e082-corAppraised\" class=\"mc-label\">Appraised Home Value<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e082-corAppraised\" data-field=\"corAppraised\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"corAppraisedSlider\" class=\"mc-slider\" min=\"25000\" max=\"500000\" step=\"1000\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$25k<\/span>\n                                <span>$500k<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e082-corBalance\" class=\"mc-label\">Current Mortgage Balance<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e082-corBalance\" data-field=\"corBalance\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"corBalanceSlider\" class=\"mc-slider\" min=\"0\" max=\"500000\" step=\"1000\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$0<\/span>\n                                <span>$500k<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-row\">\n                    <div class=\"mc-form-group\">\n                        <label for=\"bsc-6a20c4136e082-corRate\" class=\"mc-label\">Interest Rate<\/label>\n                        <input type=\"text\" id=\"bsc-6a20c4136e082-corRate\" data-field=\"corRate\" class=\"mc-input\" inputmode=\"decimal\">\n                    <\/div>\n                    <div class=\"mc-form-group\">\n                        <label class=\"mc-label\">Loan Term<\/label>\n                        <div class=\"mc-term-buttons mc-term-buttons--compact\">\n                            <button type=\"button\" data-term=\"30\" class=\"loan-term-button active\">30<\/button>\n                            <button type=\"button\" data-term=\"20\" class=\"loan-term-button\">20<\/button>\n                            <button type=\"button\" data-term=\"15\" class=\"loan-term-button\">15<\/button>\n                            <button type=\"button\" data-term=\"10\" class=\"loan-term-button\">10<\/button>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e082-corCashOut\" class=\"mc-label\">Cash-Out Amount<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e082-corCashOut\" data-field=\"corCashOut\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"corCashOutSlider\" class=\"mc-slider\" min=\"0\" max=\"0\" step=\"1000\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$0<\/span>\n                                <span data-field=\"corCashOutMaxLabel\">$0<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-row\">\n                    <div class=\"mc-form-group\">\n                        <label for=\"bsc-6a20c4136e082-corFees\" class=\"mc-label\">Refi Fees<\/label>\n                        <input type=\"text\" id=\"bsc-6a20c4136e082-corFees\" data-field=\"corFees\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                    <\/div>\n                    <div class=\"mc-form-group cor-roll-fees-group\">\n                        <label class=\"cor-roll-fees-label\">\n                            <input type=\"checkbox\" data-field=\"corRollFees\" class=\"cor-roll-fees-checkbox\">\n                            <span>Roll fees into loan<\/span>\n                        <\/label>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"mc-results-panel\">\n                <div class=\"mc-results-content\">\n                    <div class=\"mc-results-header\">\n                        <span class=\"mc-results-label\">Max Cash-Out Available<\/span>\n                        <number-flow class=\"mc-results-amount\" data-field=\"corMaxCashOut\">$0<\/number-flow>\n                    <\/div>\n\n                    <div class=\"cor-cltv-bar\">\n                        <div class=\"mc-progress-track\">\n                            <div class=\"mc-progress-fill\" data-field=\"corCltvFill\" style=\"width: 0%\"><\/div>\n                        <\/div>\n                        <div class=\"cor-cltv-marker\" style=\"left: 80%\">\n                            <span class=\"cor-cltv-marker-line\"><\/span>\n                        <\/div>\n                        <span class=\"cor-cltv-caption\">80% CLTV cap shown as marker<\/span>\n                    <\/div>\n\n                    <div class=\"mc-breakdown\">\n                        <div class=\"mc-breakdown-row\">\n                            <span class=\"mc-breakdown-label\">Adjusted Cash-Out<\/span>\n                            <number-flow class=\"mc-breakdown-value\" data-field=\"corAdjusted\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"mc-breakdown-row\">\n                            <span class=\"mc-breakdown-label\">New Loan Balance<\/span>\n                            <number-flow class=\"mc-breakdown-value\" data-field=\"corNewBalance\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"mc-breakdown-row\">\n                            <span class=\"mc-breakdown-label\">New Monthly Payment<\/span>\n                            <number-flow class=\"mc-breakdown-value\" data-field=\"corMonthly\">$0<\/number-flow>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <p class=\"mc-disclaimer\">These estimates are for illustrative purposes only. Actual cash-out amounts, rates, and payments depend on your lender's requirements, credit profile, and property appraisal.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n                <\/div>\n            <div\n                class=\"bs-calculator-panel\"\n                role=\"tabpanel\"\n                data-calculator-panel=\"affordability\"\n                id=\"bs-calculators-6a20c4136e027-panel-affordability\"\n            >\n                    <div class=\"affordability-calculator bs-calculator\">\n        <div class=\"mc-wrapper\">\n            <div class=\"mc-form-panel\">\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e0ab-affIncome\" class=\"mc-label\">Gross Annual Income<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e0ab-affIncome\" data-field=\"affIncome\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"affIncomeSlider\" class=\"mc-slider\" min=\"15000\" max=\"150000\" step=\"1000\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$15k<\/span>\n                                <span>$150k<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label for=\"bsc-6a20c4136e0ab-affDebt\" class=\"mc-label\">Monthly Debt Payments<\/label>\n                    <div class=\"mc-input-with-slider\">\n                        <input type=\"text\" id=\"bsc-6a20c4136e0ab-affDebt\" data-field=\"affDebt\" class=\"mc-input\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <div class=\"mc-slider-container\">\n                            <input type=\"range\" data-field=\"affDebtSlider\" class=\"mc-slider\" min=\"0\" max=\"3000\" step=\"50\">\n                            <div class=\"mc-slider-labels\">\n                                <span>$0<\/span>\n                                <span>$3k<\/span>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-row\">\n                    <div class=\"mc-form-group\">\n                        <label for=\"bsc-6a20c4136e0ab-affDownPayment\" class=\"mc-label\">Down Payment<\/label>\n                        <input type=\"text\" id=\"bsc-6a20c4136e0ab-affDownPayment\" data-field=\"affDownPayment\" class=\"mc-input\" inputmode=\"decimal\">\n                    <\/div>\n                    <div class=\"mc-form-group\">\n                        <label for=\"bsc-6a20c4136e0ab-affRate\" class=\"mc-label\">Interest Rate<\/label>\n                        <input type=\"text\" id=\"bsc-6a20c4136e0ab-affRate\" data-field=\"affRate\" class=\"mc-input\" inputmode=\"decimal\">\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <label class=\"mc-label\">Loan Term<\/label>\n                    <div class=\"mc-term-buttons\">\n                        <button type=\"button\" data-term=\"30\" class=\"loan-term-button active\">30 Yr<\/button>\n                        <button type=\"button\" data-term=\"20\" class=\"loan-term-button\">20 Yr<\/button>\n                        <button type=\"button\" data-term=\"15\" class=\"loan-term-button\">15 Yr<\/button>\n                        <button type=\"button\" data-term=\"10\" class=\"loan-term-button\">10 Yr<\/button>\n                    <\/div>\n                <\/div>\n\n                <div class=\"mc-form-group\">\n                    <button type=\"button\" class=\"aff-advanced-toggle\" aria-expanded=\"false\">\n                        <span class=\"mc-label\" style=\"margin-bottom: 0\">Advanced Options<\/span>\n                        <svg class=\"aff-chevron\" width=\"12\" height=\"8\" viewBox=\"0 0 12 8\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                            <path d=\"M1 1.5L6 6.5L11 1.5\" stroke=\"currentColor\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                        <\/svg>\n                    <\/button>\n                    <div class=\"aff-advanced-fields\">\n                        <div class=\"mc-form-row\">\n                            <div class=\"mc-form-group\">\n                                <label for=\"bsc-6a20c4136e0ab-affPropertyTax\" class=\"mc-label\">Property Tax Rate<\/label>\n                                <input type=\"text\" id=\"bsc-6a20c4136e0ab-affPropertyTax\" data-field=\"affPropertyTax\" class=\"mc-input mc-input--advanced\" inputmode=\"decimal\">\n                            <\/div>\n                            <div class=\"mc-form-group\">\n                                <label for=\"bsc-6a20c4136e0ab-affInsurance\" class=\"mc-label\">Insurance \/ Year<\/label>\n                                <input type=\"text\" id=\"bsc-6a20c4136e0ab-affInsurance\" data-field=\"affInsurance\" class=\"mc-input mc-input--advanced\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                            <\/div>\n                        <\/div>\n                        <div class=\"mc-form-group\">\n                            <label for=\"bsc-6a20c4136e0ab-affHoa\" class=\"mc-label\">HOA \/ Month<\/label>\n                            <input type=\"text\" id=\"bsc-6a20c4136e0ab-affHoa\" data-field=\"affHoa\" class=\"mc-input mc-input--advanced\" inputmode=\"numeric\" pattern=\"[0-9,$]*\">\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <div class=\"mc-results-panel\">\n                <div class=\"mc-results-content\">\n                    <div class=\"mc-results-header\">\n                        <span class=\"mc-results-label\">You Can Afford Up To<\/span>\n                        <number-flow class=\"mc-results-amount\" data-field=\"affMaxPrice\">$0<\/number-flow>\n                    <\/div>\n\n                    <div class=\"aff-budget-bars\">\n                        <div class=\"aff-budget-row\">\n                            <div class=\"aff-budget-header\">\n                                <span class=\"aff-budget-label\">Housing Budget (30%)<\/span>\n                                <number-flow class=\"aff-budget-value\" data-field=\"affHousingBudget\">$0<\/number-flow>\n                            <\/div>\n                            <div class=\"mc-progress-track\">\n                                <div class=\"mc-progress-fill\" data-field=\"affHousingFill\" style=\"width: 0%\"><\/div>\n                            <\/div>\n                        <\/div>\n                        <div class=\"aff-budget-row\">\n                            <div class=\"aff-budget-header\">\n                                <span class=\"aff-budget-label\">DTI Budget (36%)<\/span>\n                                <number-flow class=\"aff-budget-value\" data-field=\"affDtiBudget\">$0<\/number-flow>\n                            <\/div>\n                            <div class=\"mc-progress-track\">\n                                <div class=\"mc-progress-fill\" data-field=\"affDtiFill\" style=\"width: 0%\"><\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n\n                    <div class=\"mc-breakdown\">\n                        <div class=\"mc-breakdown-row\">\n                            <span class=\"mc-breakdown-label\">Loan Amount<\/span>\n                            <number-flow class=\"mc-breakdown-value\" data-field=\"affLoanAmount\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"mc-breakdown-row\">\n                            <span class=\"mc-breakdown-label\">Down Payment<\/span>\n                            <number-flow class=\"mc-breakdown-value\" data-field=\"affDownPaymentCash\">$0<\/number-flow>\n                        <\/div>\n                        <div class=\"mc-breakdown-row\">\n                            <span class=\"mc-breakdown-label\">Est. Monthly Payment<\/span>\n                            <number-flow class=\"mc-breakdown-value\" data-field=\"affMonthlyPayment\">$0<\/number-flow>\n                        <\/div>\n                    <\/div>\n                <\/div>\n                <p class=\"mc-disclaimer\">Assumes housing costs target 30% of gross income and total DTI cap of 36%. These estimates are for illustrative purposes only.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n                <\/div>\n        <\/div>\n    <\/div>\n    <\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_5 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_8 et_pb_row et_block_row\">\n<div class=\"et_pb_column_16 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_10 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module mortage_box\"><div class=\"et_pb_text_inner\"><h3>DOWN PAYMENT<br \/>ASSISTANCE<br \/>AVAILABLE<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_divider_2 et_pb_divider et_pb_space et_pb_divider_position_top et_pb_module\"><div class=\"et_pb_divider_internal\"><\/div><\/div>\n\n<div class=\"et_pb_text_11 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h5>Need help with your<br \/>down payment?<\/h5>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_17 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_6 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_9 et_pb_row et_pb_equal_columns et_block_row\">\n<div class=\"et_pb_column_18 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_12 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module step_content\"><div class=\"et_pb_text_inner\"><p><span class=\"numbers\">1<\/span><\/p>\n<h3>WHAT IT IS<\/h3>\n<p>Down payment assistance programs provide financial aid to homebuyers, making homeownership more accessible, particularly for first buyers or those with limited funds.<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_19 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_13 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module step_content\"><div class=\"et_pb_text_inner\"><p><span class=\"numbers\">2<\/span><\/p>\n<h3>WHAT ARE MY CHOICES?<\/h3>\n<p>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.<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_20 et_pb_column et_pb_column_1_3 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_14 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module step_content\"><div class=\"et_pb_text_inner\"><p><span class=\"numbers\">3<\/span><\/p>\n<h3>DO I QUALIFY?<\/h3>\n<p>Each DPA is different and has different qualifications. Your Lender can go over options with you to see what fits your needs.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_10 et_pb_row et_pb_equal_columns et_block_row\">\n<div class=\"et_pb_column_21 et_pb_column et_pb_column_1_3 et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n\n<div class=\"et_pb_column_22 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_module et_pb_button_module_wrapper et_pb_button_0_wrapper\"><a class=\"et_pb_button_0 et_pb_button et_pb_bg_layout_light et_pb_module et_block_module lender_button\" href=\"https:\/\/staging.banksouthern.com\/mortgage\/#lender_map\">CONTACT A LENDER<\/a><\/div>\n<\/div>\n\n<div class=\"et_pb_column_23 et_pb_column et_pb_column_1_3 et-last-child et_block_column et_pb_column_empty et_pb_css_mix_blend_mode_passthrough\"><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_7 et_pb_section et_section_regular et_block_section\" id=\"HomeRise100\">\n<div class=\"et_pb_row_11 et_pb_row et_block_row\">\n<div class=\"et_pb_column_24 et_pb_column et_pb_column_1_2 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_3 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/04\/HomeRise100.svg\" class=\"wp-image-34359\" title=\"HomeRise100\" alt=\"HomeRise100\" \/><\/span><\/div>\n\n<div class=\"et_pb_text_15 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2><span class=\"blueText\">Raise<\/span> your financial wellbeing with <span class=\"blueText\">HomeRise100.<\/span><\/h2>\n<p>Southern Bancorp is committed to making homeownership a possibility for everyone. With an affordable mortgage fueled by HomeRise 100, you can purchase your home with a minimum of a $1,000 contribution, making the process affordable and sustainable.<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_25 et_pb_column et_pb_column_1_2 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_16 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><p>\u2022 Minimum 640 FICO score<br \/>\u2022 105% Maximum CLTV<br \/>\u2022 Down Payment Assistance and Gift Funds Allowed<br \/>\u2022 No mortgage insurance<br \/>\u2022 Homebuyer Education is Required for First Time Homebuyers<br \/>\u2022 Income limits may apply<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_8 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_12 et_pb_row et_block_row\" id=\"products\">\n<div class=\"et_pb_column_26 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_17 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h2>FIND THE LOAN THAT FITS YOUR NEEDS<\/h2>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_13 et_pb_row et_flex_row\">\n<div class=\"et_pb_column_27 et_pb_column et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_group_0 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_group_1 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_4 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/03\/FHA.svg\" title=\"FHA\" class=\"wp-image-34207\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"et_pb_group_2 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_18 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h3>FHA Loan<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_text_19 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><p>Insured by the Federal Housing Administration, these loans have great advantages including low down payments, less restrictive credit requirements, and favorable interest rates.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_20 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><ul class=\"productBullets\">\n<li>Not limited to first-time homebuyers<\/li>\n<li>Seller can pay up to 6% of closing costs<\/li>\n<li>Up to 100% of down payment funds can be gifted<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_group_3 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_group_4 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_5 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/03\/USDA.svg\" title=\"USDA\" class=\"wp-image-34209\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"et_pb_group_5 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_21 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h3>USDA Loan<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_text_22 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><p>These loans, backed by the United States Department of Agriculture (USDA), are specifically designed to assist individuals and families in qualifying rural areas achieve homeownership. With favorable terms, USDA loans make it easier for eligible borrowers to purchase homes in rural communities, fostering growth and stability in these areas.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_23 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><ul class=\"productBullets\">\n<li>Up to 100% financing<\/li>\n<li>Larger acreage purchases<\/li>\n<li>No minimum down payment req<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_group_6 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_group_7 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\"><\/div>\n\n<div class=\"et_pb_group_8 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_24 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h3>Construction Loan<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_text_25 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><p>Southern Bancorp offers New Construction loans to facilitate financing for individuals building their dream homes from the ground up. These loans provide funding for construction costs, ensuring a seamless process from planning to completion, with personalized support and competitive rates.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_26 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><ul class=\"productBullets\">\n<li>Extended rate lock<\/li>\n<li>One-time close options available<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_column_28 et_pb_column et-last-child et_flex_column et_pb_css_mix_blend_mode_passthrough et_flex_column_12_24 et_flex_column_12_24_tablet et_flex_column_24_24_phone\">\n<div class=\"et_pb_group_9 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_group_10 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_6 et_pb_image et_pb_module et_flex_module\"><span class=\"et_pb_image_wrap\"><img decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2025\/03\/VA.svg\" title=\"VA\" class=\"wp-image-34210\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"et_pb_group_11 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_27 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h3>VA Loan<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_text_28 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><p><span>The Department of Veterans Affairs provides insurance for these loans made special to service members and their spouses. With $0 down payments options, no mortgage insurance, and flexible loan terms, Southern Bancorp is committed to serving those who served our country.<\/span><\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_29 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><ul class=\"productBullets\">\n<li>Available to active duty personnel, veterans, and surviving spouses<\/li>\n<li>Can receive 100% financing<\/li>\n<li>Flexible loan terms<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_group_12 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_group_13 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\"><\/div>\n\n<div class=\"et_pb_group_14 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_30 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h3>Jumbo Loan<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_text_31 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><p>These loans are tailored for individuals purchasing high-value properties or requiring larger loan amounts. Whether acquiring luxury residences or investment properties, Southern Bancorp's Jumbo mortgage loans provide flexible and competitive financing solutions to meet the unique needs of all borrowers.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_32 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><ul class=\"productBullets\">\n<li>Accommodates loan amounts up to $3 million<\/li>\n<li>No mortgage insurance required<\/li>\n<li>For primary and secondary homes like vacation and investment properties<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_group_15 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_group_16 et_pb_group et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\"><\/div>\n\n<div class=\"et_pb_group_17 et_pb_group et-last-child et_pb_module et_flex_group et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_33 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><h3>Conventional Loan<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_text_34 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><p>We provide conventional loans, offering flexible financing solutions for homebuyers with varying needs. With competitive interest rates and straightforward terms, our conventional loans are ideal for purchasing primary residences, second homes, and investment properties.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_35 et_pb_text et_pb_bg_layout_light et_pb_module et_flex_module\"><div class=\"et_pb_text_inner\"><ul class=\"productBullets\">\n<li>Mortgage insurance options<\/li>\n<li>Minimal restrictions<\/li>\n<li>Flexible closing costs options available<\/li>\n<\/ul>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_9 et_pb_section et_section_regular et_block_section\">\n<div class=\"et_pb_row_14 et_pb_row et_block_row\">\n<div class=\"et_pb_column_29 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_image_7 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/bennett-1.png\" width=\"323\" height=\"323\" srcset=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/bennett-1.png 323w, https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/bennett-1-300x300.png 300w, https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/bennett-1-150x150.png 150w\" sizes=\"(max-width: 323px) 100vw, 323px\" class=\"wp-image-27869\" title=\"bennett-1\" \/><\/span><\/div>\n<\/div>\n\n<div class=\"et_pb_column_30 et_pb_column et_pb_column_2_3 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_36 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module access_finance\"><div class=\"et_pb_text_inner\"><p>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 its the service we provide to everyone in our communities.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_15 et_pb_row et_block_row\" id=\"refinance\">\n<div class=\"et_pb_column_31 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_37 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h3>GET THE MOST FROM YOUR REFINANCE<\/h3>\n<\/div><\/div>\n\n<div class=\"et_pb_text_38 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h5>Find affordable mortgage solutions that fit your financial needs.<\/h5>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_row_16 et_pb_row et_block_row\">\n<div class=\"et_pb_column_32 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_39 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h4>LEVERAGE YOUR<br \/>HOME EQUITY<\/h4>\n<\/div><\/div>\n\n<div class=\"et_pb_image_8 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Artboard-18.png\" width=\"136\" height=\"129\" srcset=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Artboard-18.png 136w\" sizes=\"(max-width: 136px) 100vw, 136px\" class=\"wp-image-27870\" title=\"Artboard -18\" \/><\/span><\/div>\n\n<div class=\"et_pb_text_40 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module finance_list\"><div class=\"et_pb_text_inner\"><ul>\n<li>Renovations<\/li>\n<li>Pay off debt<\/li>\n<li>Save for large purchases<\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"et_pb_text_41 et_pb_text et_pb_bg_layout_light et_clickable et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>USE MY EQUITY<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_33 et_pb_column et_pb_column_1_3 et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_42 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h4>REDUCE YOUR<br \/>MONTHLY PAYMENT<\/h4>\n<\/div><\/div>\n\n<div class=\"et_pb_image_9 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Artboard-12.png\" width=\"145\" height=\"138\" srcset=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Artboard-12.png 145w\" sizes=\"(max-width: 145px) 100vw, 145px\" class=\"wp-image-27871\" title=\"Artboard -12\" \/><\/span><\/div>\n\n<div class=\"et_pb_text_43 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module finance_list\"><div class=\"et_pb_text_inner\"><ul>\n<li>Increase your savings<\/li>\n<li>Allow for more monthly liquidity<\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"et_pb_text_44 et_pb_text et_pb_bg_layout_light et_clickable et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>LOWER MY PAYMENT<\/p>\n<\/div><\/div>\n<\/div>\n\n<div class=\"et_pb_column_34 et_pb_column et_pb_column_1_3 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_45 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><h4>SHORTEN YOUR\u00a0<br \/>LOAN TERM<\/h4>\n<\/div><\/div>\n\n<div class=\"et_pb_image_10 et_pb_image et_pb_module et_block_module\"><span class=\"et_pb_image_wrap\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Artboard-1_1.png\" width=\"127\" height=\"121\" srcset=\"https:\/\/staging.banksouthern.com\/wp-content\/uploads\/2024\/04\/Artboard-1_1.png 127w\" sizes=\"(max-width: 127px) 100vw, 127px\" class=\"wp-image-27872\" title=\"Artboard 1_1\" \/><\/span><\/div>\n\n<div class=\"et_pb_text_46 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module finance_list\"><div class=\"et_pb_text_inner\"><ul>\n<li>Pay less in interest<\/li>\n<li>Pay off your mortgage sooner<\/li>\n<\/ul>\n<\/div><\/div>\n\n<div class=\"et_pb_text_47 et_pb_text et_pb_bg_layout_light et_clickable et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><p>PAY OFF FASTER<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"et_pb_section_10 et_pb_section et_section_regular et_block_section\" id=\"mortgage-contact\">\n<div class=\"et_pb_row_17 et_pb_row et_block_row\" id=\"#\">\n<div class=\"et_pb_column_35 et_pb_column et_pb_column_4_4 et-last-child et_block_column et_pb_css_mix_blend_mode_passthrough\">\n<div class=\"et_pb_text_48 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module et_pb_text_align_center\"><div class=\"et_pb_text_inner\"><h2>GET IN TOUCH<\/h2>\n<p>Fill out the contact form below and one of our mortgage team<br \/>will reach out to explain your options and opportunities.<\/p>\n<\/div><\/div>\n\n<div class=\"et_pb_text_49 et_pb_text et_pb_bg_layout_light et_pb_module et_block_module\"><div class=\"et_pb_text_inner\"><script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof 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mortage_form_wrapper' data-form-theme='gravity-theme' data-form-index='0' id='gform_wrapper_77' ><div id='gf_77' class='gform_anchor' tabindex='-1'><\/div>\n                        <div class='gform_heading'>\n                            <p class='gform_description'><\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_77' id='gform_77' class='mortage_form' action='\/es\/wp-json\/wp\/v2\/pages\/25892#gf_77' data-formid='77' novalidate><div class='gf_invisible ginput_recaptchav3' data-sitekey='6LftAoopAAAAAKSrBGRqhz1qMI4nvjmiw1_NKjbF' data-tabindex='0'><input id=\"input_5104a7b2d40d96cb5bf8488c95871832\" class=\"gfield_recaptcha_response\" type=\"hidden\" name=\"input_5104a7b2d40d96cb5bf8488c95871832\" value=\"\"\/><\/div>\n                        <div class='gform-body gform_body'><div id='gform_fields_77' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_77_18\" class=\"gfield gfield--type-html gfield--width-full FormTitle gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >CONTACT FORM<\/div><div id=\"field_77_1\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_77_1'>First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_1' id='input_77_1' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_77_9\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below 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name='input_11' id='input_77_11' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><div id=\"field_77_12\" class=\"gfield gfield--type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_77_12'>Phone Number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_text\">(Required)<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_12' id='input_77_12' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_77_16\" class=\"gfield gfield--type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  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