Unlocking the door to homeownership – for everyone.
Your path to an Affordable Mortgage Starts Here.
Homeownership is one of the most reliable ways for families to build generational wealth, achieve financial freedom, and pursue the American Dream.
At Southern Bancorp Mortgage, our goal is to bridge the gaps to this opportunity for more communities across the South – because we believe that a path to homeownership should be within reach of everyone, no matter their financial story.
We've Got the Keys to Your Opportunity
We specialize in:
- First-time homebuyers
- First-generation homebuyers
- Down payment assistance
- Homeownership & credit education
- Flexible lending
- Home repair loans
- Home equity lines of credit
- Rural Development/USDA loans
Plus access to Southern Bancorp's existing network of HUD-certified Housing and Credit Counselors.
Solutions Built for Every Homebuyer
From first-time buyers to seasoned investors, we have mortgage options designed to meet you where you are.
HomeRise100
Raise your financial well-being with HomeRise100
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.
Revive 25
Open the door to your dream home with up to $25K toward your down payment
Need help getting into your next home? Our flexible, low-cost financing with Revive25 provides the funds you need to make your closing more affordable.
DSCR Loans for Investors
Multiple options for building wealth as an investor
Our innovative primary product for real estate investors is a collateral-based business purpose loan. Traditional income verification is not required.
Coverage Map
Our local people are here to serve you with our mission and purpose.
Run the Numbers
Estimate your monthly payment and see what fits your budget before you apply.