Land Loans, USDA, VA Loans

Finding the right house to call your home starts with a great mortgage.

Apply Now

Choose a Mortgage Loan Option

We have other Mortgage Options

First Mortgages Second Mortgages

Mortgage FAQs

Have questions? We have answers.

Get Answers

Financial Calculators

We offer a suite of online calculators to help you take the next step.

Calculators

Mortgage Icon Land LoanLand Loan*

The perfect land lot is the first step to building your dream home. A Land Loan from The Southern can get you moving in the right direction.

Features:

  • 5, 10, 15, and 20 year terms
  • Land size less than 20 contiguous acres
  • Build now or later
  • No prepayment penalty
  • Low origination fees 

Information You May Need:

  • What is the total acreage?
  • Are there any structures on the land?
  • Has the land been improved?
  • What is the property zoned for?

Mortgage icon USDA LoanUSDA Loan* - this program is temporarily on hold

A USDA loan is a home loan that is backed by the U.S. Department of Agriculture. It falls under their Single Family Housing Program and is designed as an option to make home ownership more accessible. This is a good option for buyers with little cash savings.

Features:

  • 10, 15, 20 and 30 year terms
  • 100% financing/no down payment
  • Flexible credit qualifications
  • No prepayment penalty
  • Low origination fees

Things to Consider:

  • Property must be located in USDA eligible location
  • For primary residences only

Mortgage Icon VA LoanVA Loan* - this program is temporarily on hold

A VA loan is a mortgage guaranteed by the U.S. Department of Veterans Affairs (VA). Only qualified U.S. veterans, active-duty military personnel and some surviving spouses are eligible for VA loans.

Features:

  • 10, 15, 20 and 30 year terms
  • Low rates
  • Zero down payment
  • No prepayment penalty
  • No mortgage insurance premiums
  • Seller can contribute to closing costs
  • Low origination fees

Current Rates

Take a look at the current lending rates.

Lending Rates

Get Rate Updates

Sign up today to get interest rate updates!

Sign Up

Lending-Team

 * Products and pricing are subject to change at any time without notice.