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Estefany Perez
Community Development Lender
As a first-generation homeowner, I'm passionate about helping others avoid the mistakes I made along the way. As a bilingual Community Development Mortgage Lender at Southern Bancorp, I have the resources to turn that passion into action. I believe this allowed me to be recognized as one of Arkansas’ Money and Politics’ Women in Banking 2024. When I'm not helping families achieve their homeownership dreams or assisting with upsizing and downsizing, I dedicate my time to organizations like Make-A-Wish, Women & Children First, or training for my next marathon.
Our Mortgage Lenders in Arkansas Can Help You Get the Keys to Your Dream Home
Available Products
FHA Loan
Insured by the Federal Housing Administration, these loans have great advantages including low down payments, less restrictive credit requirements, and favorable interest rates.
- Not limited to first-time homebuyers
- Seller can pay up to 6% of closing costs
- Up to 100% of down payment funds can be gifted
VA Loan
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.
- Available to active duty personnel, veterans, and surviving spouses
- Can receive 100% financing
- Flexible loan terms
USDA Loan
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.
- Up to 100% financing
- Larger acreage purchases
- No minimum down payment required
Jumbo Loan
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.
- Accommodates loan amounts up to $3 million
- No mortgage insurance required
- For primary and secondary homes like vacation and investment properties
Construction Loan
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.
- Extended rate lock
- One-time close options available
Conventional Loan
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.
- Mortgage insurance options
- Minimal restrictions
- Flexible closing costs options available
Estimate your monthly payment
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.
