First Southern National Bank

Home Loans

Finding the perfect home is hard. Knowing which home loan fits you best shouldn’t be. Because a home loan is something you’ll live with for a long time, we want to help make sure you get one that fits. We have several loans to choose from and experts to help you with the important decisions along the way so that buying or refinancing your home is a breeze.

The advantages of a Conventional Home Loan are the predictable monthly payment and the ability to spread payments out over a long period of time.

  • Loans for primary or secondary homes available
  • Loans for investment property available

Adjustable-rate home loans come with a shorter “locked-rate” period, and typically include lower interest rates during that term. ARMs are ideal for borrowers with a shorter term ownership plan.

  • Fixed rate for a specified period of time, after which the rate becomes variable for the remaining life of the loan
  • Rate typically adjusts every three years
  • Loan is retained and serviced by First Southern

If you’re looking for a low down payment, an FHA Loan may be the best fit.

VA home loans are designed to specifically help veterans finance property and are guaranteed by the Department of Veterans Affairs.

Special financing may be available for areas deemed rural by the United States Department of Agriculture.

Ready to build? Our construction loans provide funding for the construction process, and then we can help convert you to a home loan that fits your needs when construction is complete.

  • Competitive interest rates
  • Prompt approval and processing
  • Loan is retained and serviced by First Southern
  • Reduce interest costs with funds advanced as work is completed
  • Interest usually tax deductible – consult your tax advisor
  • We can help convert your loan upon completion of construction

Your First Southern loan expert will help analyze your needs, explain your options and answer your questions.