Home ownership is affordable with lending solutions from The Southern.

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Mortgage Icon Personal ServicePersonal Service from Start to Finish

Investing in home ownership is an important step for building a secure financial future, and buying a home should always be a positive experience. Because you are a Credit Union member, we can help you through the entire purchasing process and make sure you get the most for your money.

Mortgage Loan Options

We have other Mortgage Options

Benefits of being a credit union member:

  • Quicker-than-average turnaround time
  • Very competitive rates
  • Exempt from the State of Georgia Intangibles Tax on purchase transactions


How to Apply:

Mortgage Icon Fixed Rate First MortgageFixed Rate First Mortgage*

A fixed rate mortgage allows your interest rate to stay the same - and therefore your monthly principal and interest payment will stay the same as long as you have the loan.


  • 7, 10, 15, 20, 25 or 30 year fixed terms
  • Purchase or refinance primary residences and second homes
  • Low origination fees
  • No prepayment penalty

Fixed Rate Mortgage Loans are great

  • You can easily budget monthly expenses
  • Protected from possibility of rising interest rates
  • Plan to stay in your home for many years

Mortgage Icon Adjustable Rate First MortgageAdjustable Rate First Mortgage*

An Adjustable-Rate Mortgage (ARM) is a loan that usually has a set, low fixed-interest rate for a certain period of time, like 3, 5, 7, 10 and 15 years. For the remainder of the home loan, the interest rate could adjust annually, depending on the market.


  • 3, 5, 7, 10 and 15 year fixed period
  • No prepayment penalty
  • Primary residences and second/vacation homes

A good option if:

  • Lower rates and payments early in the loan term
  • An affordable option for borrowers that do not plan on staying in the home for a long period
  • Want to pay off your home in a shorter time frame

Mortgage Icon Jumbo LoanJumbo Loan*

A Jumbo Loan is a mortgage used to finance properties that exceed the maximum conventional loan amount.


  • Loans for properties over $548,250
  • Purchase or refinance primary residences, second homes
  • Fixed-Rate Loan terms are 10 and 15
  • Adjustable-Rate Loan terms are 3/1, 5/1, 7/1, 10/1, 5/5, 10/5, and 15/5
  • No prepayment penalty
  • Low origination fees

Good For:

  • Borrowers interested in purchasing more expensive properties,
  • Lower debt-to-income ratios
  • Members who can afford a larger down payment of a minimum 10% of purchase price

Mortgage Icon RefinanceRefinance*

Refinancing means paying off your existing mortgage with a new one, usually with a lower rate and/or shorter term.


  • 7, 10, 15, 20, 25 or 30 year fixed terms
  • Refinance primary residences and second homes
  • No prepayment penalty
  • Low origination fees

Consider refinancing if:

  • If it is time to switch from an adjustable to a fixed rate loan
  • Interest rates have dropped and you have an opportunity to lower your rate


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